Small Enterprise Development in MACEDONIA

Small Enterprise Development
Credit line
1. KfW credit line
(revolving fund)
Amount
EUR
50–400 K;
start-ups
up to 250K
Table 6.2: SME Credit Lines
Indicative
Interest
rate (%
per year)
Repayment
and Grace
period
10% 4 years
6 m grace
2. Italian credit line up to 2 M 7% 5.5 y
1.5 y grace
3. Italian line -
revolving fund
SMEs
Aim / Target group
SMEs & profitable investment
50-500 K 7-8 % 1-3 y SMEs & entrepreneurs
liquid capital
4. Credit line MBDP 15-500 K 8% 8 y
1 y grace
SMEs & start-ups
5. Credit line MBDP 30 K-2 M 8% to 1 y Export promotion
6. Credit line MBDP 30-300 K 8% to 3 y Capital for liquidity
7. EAR micro credit
line for SMEs
8. KfW credit line up to 15 K
15-50 K
9. EIB global loan 20K to
12.5 M
up to 100 K 9% to 5 y
6 m grace
11-18% 3-4 y
6-12 m grace
5.9-7.8% 4-6 y
3 y grace
10. Credit line NL up to 75 K up to 12% 5 y
3 y grace
11. Credit line
Soros
12. Credit line
Soros agricultural
develop.
13. Soros,
agricultural
develop.
up to 8 K 10-12% 1 y
6 m grace
up to 10 K 8% to 3 y
6 m grace
up to 3 K 8% to 3 y
3 m grace
14. MEDF 1-2 up to 75 K 16% to 7 y
no grace
15. USAID SME
Fund
up to 100 K 8-12% to 9 m
no grace
Source: SMEDP 2006; up-dated in November 2006
Start-ups & existing SMEs
(over 5 y)
Micro & family SMEs
SMEs & investment works
micro & small businesses
SMEs
individual farmers
individual farmers
SMEs and individual farmers
SMEs in food processing,
textile, leather, metal
processing, wood,
construction and trade. Export
promotion
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