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    • History of the institute
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Kelajakka qadam

“Kelajakka qadam” – Preferential Loans for University Graduates!

Are you a graduate of Andijan State Medical Institute? Do you want to start your own business, establish your professional activity, or finance your practical project?

Then a new opportunity has been created for you! As of today, the “Kelajakka qadam” center at Andijan State Medical Institute has resumed its activities, and you can contact the center right now with your ideas and initiatives.

Loan Conditions

Purpose of the Loan
Financing business ideas of final-year students of higher education institutions
Loan Recipient
Graduates of higher education institutions who have paid social tax or are self-employed
Loan Amount
Up to 20 million soums
Interest Rate
The Central Bank's policy rate + 1%
Loan Term
Up to 18 months
Grace Period
Up to 6 months
Source of Financing
The bank's own funds
Loan Security
An insurance policy from an insurance company against the risk of loan non-repayment

Stop Factors

  • Having a negative credit history
  • Having overdue credit debts

Loan Conditions

Purpose of the Loan
Financing entrepreneurial projects of final-year students of higher education institutions
Loan Recipient
  • Final-year students of higher education institutions operating as individual entrepreneurs
  • Legal entities whose founder or head of the enterprise is a graduate of a higher education institution
Loan Amount
Up to 300 million soums
Interest Rate
The Central Bank's policy rate + 1%
Loan Term
Up to 5 years
(Up to 36 months for working capital)
Grace Period
Up to 1 year
(Up to 6 months for working capital)
Loan Security
For loans up to 100 million soums – an insurance policy
For loans exceeding 100 million soums – liquid collateral

Special Conditions

  • The loan recipient is required to be a director or founder
  • Final-year students of higher education institutions establishing an individual enterprise or legal entity must be participants of the “Kelajakka qadam” program

Stop Factors

  • Having a negative credit history
  • Having overdue credit debts

Loan Conditions

Purpose of the Loan
Financing entrepreneurial projects of final-year students of higher education institutions
Loan Recipient
  • Final-year students of higher education institutions operating as individual entrepreneurs
  • Legal entities whose founder or head of the enterprise is a graduate of a higher education institution
Loan Amount
Up to 2 billion soums
Interest Rate
The Central Bank's policy rate + 1%
Loan Term
Up to 7 years (up to 84 months for the purchase of fixed assets)
Up to 36 months for replenishment of working capital
Grace Period
Up to 2 years (up to 24 months for the purchase of fixed assets)
Up to 6 months for replenishment of working capital
Collateral
Liquid collateral covering 125% of the loan amount

Special Conditions

  • The loan recipient is required to be a director or founder
  • Graduates of higher education institutions who are individual entrepreneurs and legal entities must be participants of the “Kelajakka qadam” program
  • Creation of at least 2 jobs
  • No more than 5 years must have passed since the graduate completed the higher education institution
  • On the date of submission of the loan application, the borrower (young entrepreneur) must be an individual aged 18 to 31

Stop Factors

  • Having a negative credit history
  • Having overdue credit debts

Loan Conditions

Purpose of the Loan
Financing business entities that provide employment to final-year students of higher education institutions
Loan Recipient
Business entities that have provided employment to students and young people under the age of thirty-one
Loan Amount
Up to 10 billion soums
Interest Rate
The Central Bank's policy rate + 1%
Loan Term
Up to 7 years
(Up to 36 months for working capital)
Grace Period
Up to 2 years
(Up to 6 months for working capital)
Collateral
Collateral is required

Special Conditions

  • For every amount of up to 1 billion soums, at least 1 graduate must be employed (if the conditions are not fulfilled, the interest rate on the loan will be changed to the commercial rate)

Stop Factors

  • Having a negative credit history
  • Having overdue credit debts

Opportunities Created within the “My First Profession” Project

Project Objective
Organization and financing of professional training processes for graduates of higher education institutions

Opportunities Created

  • A competition is held among graduates of higher education institutions, and a monthly scholarship of up to 5 BRV is provided to them during the professional development period
  • Graduates are provided with funding of up to 50 BRV to participate in short-term courses at higher education institutions and enterprises abroad
  • Expenses for preparing a business plan are reimbursed
  • Based on the results of the “Talaba Expo 2026” professional exhibitions, assistance is provided in ensuring employment for graduates and young people

📄 For detailed information about submitting an application, required documents, and loan terms: click this link

🎓 Make your dreams come true with “Kelajakka qadam”!

💬 For inquiries: +998 99 436 04 92

Andijan State Medical Institute



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  • info@adti.uz
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