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Project: Lending to legal entities (MSEs) for opening a new jobs, by finance from the Employment Agency of the Republic od Macedonia, with a mediation of MBPR

Eligible beneficiaries

With a Decision of the Project Steering Committee (established by Decision of the Government of the Republic of Macedonia on 25.02.2008) are granted loan the clients that are completing the following conditions:

  • are registered at least 1 year before the date of publication of the announcement,
  • which had at least 1 employee at least 3 months before the date of publication of the announcement,
  • which want to employ an unemployed persons that are registered in the Employment Agency of the Republic of Macedonia, regardless of the duration of unemployment, i.e. people with status 200-registered unemployed active job seekers which are keeping at least one day prior to the publication of the announcement, but who have not been employed for at least 3 months of the day of publication of the public announcement
  • Recruitment of unemployed people through lending
Loan terms Maximum amount
  • For every new opened job EUR 3.000 with a maximum amount of EUR 9.000 for three 3 (three) new opened jobs
  • Borrowers that will hire unemployed young people up to 29 years, may be granted for each employment an additional amount of EUR 1.000 to the basic amount of EUR 3.000, with up to three new opened jobs on one public announcement i.e. up to EUR 12.000
Repayment term
  • up to 3 years
Grace period
  • up to 1 year
  • semi-annually repayment of the principal and quarterly repayment of the interest
Interest rate p.a.
  • 1% p.a. annual, fixed
Loan security

For providing the loans are used one or a combination of the following instruments:

  • mortgage of real estate in the ratio 1: 1 in terms of the approved loan;
  • bill of exchange availed of at least one avalist which the rights and obligations regarding the same are regulated by the draft statement given in the form of a notarial deed and enforceable clause;
  • pledge of movables in the ratio 1: 2 in terms of the approved loan;
  • bank guarantee.
Unacceptable projects
  • projects which provide self-employment in companies / legal entities with activity, production and trade of drugs and other harmful chemicals

In case of delay are charged higher contractual interest rate of 5 percentage points above the regular.

Milica Miloseska, Loan Officer
Phone: (+389 2) 3168-507

Goran Ivanoski, Loan Officer
Phone: (+389 2) 3168-558