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Micro Agro Loans

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 – 300,000 MKD
Repayment period 18, 24, 36, 48 and 60 months
Grace period 1-6 months
Interest 11.00% annually, declining
Administration fee 3.0% of the loan amount
Monthly management fee from 0.34% to 0.52% 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 – 300,000 MKD
Repayment period 18, 24, 36, 48 and 60 months
Grace period 1-6 months
Interest  11.00% annually, declining
Administration fee 3.0% of loan amount
Monthly management fee from 0.34% to 0.52% 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 – 600,000 MKD
Repayment period 18, 24, 36, 48 and 60 months
Grace period 1-6 months
Interest 11.00% annually, declining
Administration fee 2.0% – 3.0% depending on the loan amount
Monthly management fee from 0.21% to 0.41% 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 – 600,000 MKD
Repayment period 18, 24, 36, 48 and 60 months
Grace period 1-6 months
Interest 11.00% annually, declining
Administration fee 2.0% – 3.0% depending on the loan amount
Monthly management fee from 0.21% to 0.41% 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

Micro Housing Loans

Create a healthy and pleasant home for you and your loved ones.

Micro Business Loans

Open new horizons, invest in your business and fulfill your ideas.

CREDIT CALCULATOR

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Microcredit Foundation HORIZONTI
Blvd. St. Kliment Ohridski 58B, ent. 2, floor 3
1000 Skopje, Macedonia
Phone: +389 (0)2 309 3681
Fax: +389 (0)2 309 3376
E-mail: kontakt@horizonti.org.mk

BRANCH OFFICES NETWORK

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