Contact
contact@kb.com.mk

contact center:
(02) 3 296 800

Project: Lending to legal entities (MSEs) for opening a new jobs, by finance from the Employment Agency of the Republic of North 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 North Macedonia on 25.02.2008) are granted loan the clients that are completing the following conditions:
  • are registered at least 6 months before the date of application,
  • which had prepared an annual account for the previous year,
  • which had at least 1 employee on the date of application,
  • that had not reduced the number of employees in the last 3 months before the date of application,
  • which want to employ an unemployed persons that are registered in the Employment Agency of the Republic of North Macedonia,as active jobseekers, but who have not been employed by the same employer who applied for Project participation at least 1 year before the date of application.
Purpose
  • Recruitment of unemployed people through lending
Loan terms Maximum amount
  • For every new opened job EUR 5.000, without limiting the number of people who can hire them 
Repayment term
  • up to 4 years
Grace period
  • up to 1 year
Repayment
  • 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
    Mention:

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
e-mail: Milica.Miloseska@kb.com.mk

Goran Ivanoski, Loan Officer
Phone: (+389 2) 3168-558
e-mail: Goran.Ivanovski@kb.com.mk