Why is this important
SME loans of 140 trillion — 20% growth stimulates small businesses, creates jobs, and reduces unemployment. Focusing on the agricultural sector and the food industry will reduce food prices.
What happened
- SME loans by 2026: 140 trillion (2025: 116 trillion);
- Total volume in 2026: 450 trillion;
- Support for 100 thousand business initiatives;
- Focus: agricultural sector, food industry, services.
Lending to SMEs
- 2025: 116 trillion (+1.4 times compared to 2023).
- 2026: 140 trillion (+20%) — stimulating small businesses, creating jobs.
Total loan amount
- 2026: 450 trillion — loans from commercial banks to the economy (business, population, state projects).
Financing focus
- Agrarian sector: loans to farmers, processors — growth in production, price reduction.
- Food industry: production localization — import substitution, price stabilization.
- Services: tourism, HoReCa, IT — job creation, economic growth.
Support for citizens
- 2025: 89 thousand business initiatives worth 1.1 trillion through work in mahallas.
- Target 2025: 100 thousand.
- 2026: 100 thousand new projects — involving the population in entrepreneurship, poverty reduction.
Banking policy objectives
- Stable financial environment: for the population, businesses.
- Trust in banks: strengthening through transparency, deposit protection.
- Healthy competition: between banks — reduction of rates, improvement of service.
Context
- SME loans are growing: from 116 trillion to 140 trillion — the government is placing a strong emphasis on small businesses as a driver of growth and employment.
- Inflation is decreasing: from 10.2% to 7.8% due to the strict policy of the Central Bank (rate 14%), saturation of the market, price control.
- The 5% target for 2027 is ambitious, requiring price control, the stability of the soum, and production growth.
- Focus on the agricultural sector, food industry: reducing food prices is a key task for the population (products account for 40-50% of the consumer basket).
- Support for 100 thousand citizens: microloans through mahallas — involvement in entrepreneurship, poverty reduction.
