up to 2 years


from 19%


up to 150 000 KGS


Target audience:

Individuals (incl. PSF – private subsidiary farm);
Individual entrepreneurs
Legal entities (incl. peasant farms and cooperatives).


Intended use:

Working capital replenishment;
Acquisition of seeds, fertilizers, means of protection, fodder, fuel and lubricant materials for agricultural needs;
Acquisition of animals, poultry, seedlings, bee colonies and beehives, etc.;
Acquisition and repair of agricultural machinery and equipment;
Acquisition of equipment for processing agricultural produce;
Real estate acquisition, construction and repair for agricultural purposes;
Payment for agricultural works;
Refinancing performing loans in other Banks;
Consumer purposes given the availability of a functioning agricultural business;
Opening a new type of business given the availability of a functioning agricultural business;
Other purposes.


Loan currency:

KG soms
Russian rubles
US dollars
Chinese yuans
Kazakhstani tenge


Loan amount:

From 3 000 to 150 000 KGS;
From 3 000 to 150 000 RUB;
From 50 to 2000 USD;
From 50 to 2000 EUR;
From 250 to 10 000 CNY;
From 15 000 to 750 000 KZT.


Repayment procedure

Loan repayment and interest payment is made monthly (once a month) by annuity payment;

A flexible loan repayment schedule may be negotiated depending on the seasonality of the business, etc. It is possible to repay the principal debt once a quarter, however, interest payments are made monthly.


Business operation period

Borrower should be engaged in agricultural business for at least one agricultural cycle, specializing in crop or bee farming. For other types of business, the operation period should be at least 12 months.

1. Borrower’s passport and notarized declaration of marital status (if the Borrower is unmarried/divorced/widowed);
2. Certificate of marriage registration – submitted to confirm a spousal relationship;
3. Spouse’s passport (if available), declaration of consent for obtaining the loan;
4. Certificate from Ayil Okmotu on cattle availability and quantity;
5. Additional income besides agricultural business is mandatory: documents confirming client’s income;
6. Certificate confirming the right to use the land share;
7. Patent, if the loan amount exceeds 500 000 KGS or its equivalent in US dollars or euro;
8. Documents of title for agricultural transport, agricultural real estate;
9. Documents of title and title certification for real estate;
10. Guarantor’s passport and declaration of marital status (if the Guarantor is unmarried/divorced/widowed);
11. Guarantor’s certificate of marriage registration – submitted to confirm a spousal relationship;
12. Spouse’s passport (if available), guarantor consent form;
13. Certificate of salary for at least the last 12 months (in tabular form – accrued, deducted, net pay) or other documents confirming Guarantor’s solvency;
14. As well as other documents necessary for processing a loan.



up to 3 years
from 16%
up to 750 000 KGS

Agro-Small loan

up to 5 years
from 13%
Up to 7 500 000 KGS

Agricultural financing – 7

up to 3 years
from 6%

Leave a request



Payment schedule
Loan amount

No amount selected

Interest rate

No bid selected

Monthly installment


Total to return


The result of calculating a calculator is informative. Exact parameters loan will be calculated by the Bank on the results of your application.

For more information, please contact Bakai OJSC Bank".

Month Remainder Repayment Repayment % Payouts

The frequency and amount of loan payments may differ from those shown in According to terms of the loan agreement. This loan payment schedule is not a public offer and intended for reference only.


Foreign Exchange Rates

Purchase Sale
USD 69.8000 69.9000
EUR 76.7000 77.5000
RUB 1.1120 1.1250
KZT 0.1810 0.1860
GBP 89.0000 93.0000
CNY 9.6000 10.5000
Purchase Sale
USD 69.7000 69.9000
EUR 76.3000 77.9000
RUB 1.0900 1.1650
KZT 0.1750 0.1930
GBP 86.0000 96.0000
CNY 8.9000 11.0000
FX rate
USD 69.8443
EUR 77.1640
RUB 1.1301
KZT 0.1845
GBP 91.7545
CNY 10.0689

Course listed on 27.01.2020

Exchange rates are valid for Bishkek city. Exchange rates are valid for an amount of up to $1000 (or equivalent in other currencies), rates for amounts above$1000 are contractual