Decree No. UP-193: collateral-free loans of up to 5 billion soums for entrepreneurs who bring in families from the Social Register

Entrepreneurs who involve families from the Social Register in cooperation projects can now obtain collateral-free loans of up to 5 billion soums. This is provided for by Decree No. UP-193 of 11 September 2026 “On measures to increase household incomes through the creation of sustainable jobs and accelerated development of small business”. The decree entered into force on 12 September 2026.

Who allocates the loans

Decisions on preferential loans under the family and youth entrepreneurship programmes are now taken by district and city headquarters for the creation of sustainable jobs. They will manage more than 3.2 trillion soums, including:

• 1.37 trillion soums from the family entrepreneurship programme
• 450 billion soums for youth business
• 240 billion soums from the Poverty Reduction Fund
• 100 billion soums from the Employment Promotion Fund

Loan terms

• Amount: 50 million soums per household, capped at 5 billion soums
• No collateral required
• Additional requirements regarding credit history, sustainability rating or company category are prohibited

From 1 October 2026 the headquarters will also decide on compensating part of the interest on bank loans taken by self-employed persons and small and medium-sized businesses. The payments are made by the Entrepreneurship Development Company.

What changes from 2027

From 1 January 2027:

• The need for social assistance will be assessed using a scoring system
• The State Social Insurance Fund will start paying women employed under labour contracts a childcare allowance from the end of maternity leave until the child turns one

What this means in practice. An entrepreneur ready to employ families from the Social Register should prepare a cooperation project and apply to the district (city) headquarters. Employers should note that from 2027 the childcare allowance for children under one will be paid by the State Social Insurance Fund.

Photo: Sinchalak Musulmon, Wikimedia Commons (CC BY-SA 4.0)