INVEST IN GREATER AND BETTER QUALITY PRODUCTION AND PROVIDE A DECENT LIFE FOR YOUR LOVED ONES.
BENEFICIARIES:
Individual farmers
PURPOSE:
- Procurement of machinery and equipment;
- Increase of livestock population;
- Procurement of raw materials and intermediate good;
- other current expenditures for primary production.
WHAT DO YOU GET FROM US!
- Adjusted repayment installments according to agricultural yields;
- Staff assistance when completing the documentation and notarial certification
- Finding the most acceptable securing of loans.
AGRO LOANS
AGRO
| Target Groups |
Individual agricultural producers, where a woman is beneficiary of the loan |
| Purpose |
For seed materials, fertilizers, raw materials and other presenting costs
|
| Criteria |
- establishing a solidarity group of at least 3 members
- earning income from at least 2 crops
- annual income from agriculture up to 25,000 Euros
- fulfills creditworthiness requirements according to the financial analysis of the business
|
| Amount |
30,000 – 90,000 MKD |
| Repayment period |
12 months |
| Grace period |
1-8 months flexible period |
| Interest |
0% monthly, fixed |
| Administration feе |
None |
| Monthly management fee |
1.60% per month of the loan amount |
| Security |
- Bill of exchange signed by all solidarity debtors in the form of a notary public act
|
| Other charges |
For early repayment under the contract |
AGRO PREMIUM
| Target Groups |
Individual agricultural producers, where a woman is beneficiary of the loan |
| Purpose |
For seed materials, fertilizers, raw materials and other presenting costs |
| Criteria |
- earning income from at least 3 crops
- annual income from agriculture up to 55,000 Euros
- fulfills creditworthiness requirements according to the financial analysis of the business
|
| Amount |
60,000 – 450,000 MKD |
| Repayment period |
from 18 to 72 months |
| Grace period |
1-6 months |
| Interest |
8,9% annually, declining |
| Administration fee |
from 1 to 2% of the loan amount |
| Monthly management fee |
from 0.8% to 1.18% depending of loan amount |
| Security |
- Guarantors – administrative ban on salary, with full-time employment
- Bill of exchange by notary public act, with one or two guarantors
|
| Other charges |
0 or 3.0% charge for early repayment of the loan |
AGRO PREMIUM FLEKS
| Target Groups |
Individual agricultural producers, where a woman is beneficiary of the loan |
| Purpose |
For seed materials, fertilizers, raw materials and other presenting costs |
| Criteria |
- earning income from at least 2 crops
- annual income from agriculture up to 55,000 Euros
- fulfills creditworthiness requirements according to the financial analysis of the business
|
| Amount |
60,000 – 450,000 MKD |
| Repayment period |
from 18 to 72 months |
| Grace period |
1-6 months |
| Interest |
8,9% annually, declining |
| Administration fee |
from 1.5 to 2.0% of loan amount |
| Monthly management fee |
from 0.8% to 1.18% per month depending on the loan amount |
| Security |
- Guarantors – administrative ban on salary, with full-time employment
- Bill of exchange by notary public act, with one or two guarantors
|
| Other charges |
0 or 3.0% charge for early repayment of the loan |
AGRO INVEST
| Target Groups |
Individual agricultural producers, where a woman is beneficiary of the loan |
| Purpose |
For purchase of goods, land, equipment and mechanization and other fixed assets |
| Criteria |
- earning income from at least 3 crops
- annual income from agriculture up to 55,000 Euros
- fulfills creditworthiness requirements according to the financial analysis of the business
|
|
Amount
|
120,000 – 900,000 MKD |
| Repayment period |
from 18 to 84 months |
| Grace period |
1-6 months |
| Interest |
8,9 % annually, declining |
| Administration fee |
from 1% – 2% depending on the loan amount |
| Monthly management fee |
from 0.47% to 1.18% per month depending on the loan amount |
| Security |
- Guarantors – administrative ban on salary, with full-time employment
- Bill of exchange by notary public act, with one or two guarantors
|
| Other charges |
0 or 3.0% charge for early repayment of the loan |
AGRO INVEST FLEX
| Target Groups |
Individual agricultural producers, where a woman is beneficiary of the loan |
| Purpose |
For purchase of goods, land, equipment and mechanization and other fixed assets |
| Criteria |
- earning income from at least 2 crops
- annual income from agriculture up to 55,000 Euros
- fulfills creditworthiness requirements according to the financial analysis of the business
|
| Amount |
120,000 – 900,000 MKD |
| Repayment period |
from 18 to 84 months |
| Grace period |
1-6 months |
| Interest |
8,9% annually, declining |
| Administration fee |
from 1% to 2% depending on the loan amount |
| Monthly management fee |
from 0.47% to 1.09% per month depending on the loan amount |
| Security |
- Guarantors – administrative ban on salary, with full-time employment
- Guarantors – administrative ban on salary, with full-time employment
|
| Other charges |
0 or 3.0% charge for early repayment of the loan |
