I.
Introduction.

A. Reasons for set abouting research.

At the times of Soviet Union, there wasn & # 8217 ; t non merely little or in-between concern, there was non any concern
at all, everything was public and there was no proprietors ; so all states of ex-Soviet Union have to develop their little endeavors intensively. For Kazakhstan, it was really hard, chiefly because Kazakhstan had more mineral industry and a small of agribusiness, for the most portion – grain. Processing industry was really weak. When USSR broke up and immature Kazakhstan had to care about itself, enterprises needed immense sums of money to purchase necessary equipment, employ qualified workers to work in mineral industry and to develop processing industry, which demand, by the manner, more disbursals. However, foremost, authorities and Bankss did non hold adequate money to give credits to the endeavors and secondly, it was much easier to make monopoly. Therefore, our system of back uping little concern was non right from the really get downing. But still, 10 old ages subsequently when it seems that Kazakhstan had grown roots and about everything traveling instead good, our system of back uping little concern in a bad status ( see Appendix 1 ) .

There are several grounds why our little concern develops really easy.First
, there was non any optimum authorities scheme it support little concern. Government did non uncover the appropriate subdivision and regional precedences for little concern.Second
, another job is corruptness. As we know, functionaries can construct immense barriers before enterprisers, for illustration, different cheques, jobs with enrollment, and others.Third
, a high revenue enhancements on endeavors.

Small endeavors pay more revenue enhancements than large 1s. This system of revenue enhancement should be more just, because for little endeavors there is no stimulation non to develop, but even to carry on their ain concern.Last
, in our state there is no appropriate loaning system. Banks do non desire to recognition little concern, because there is more chance that concern won & # 8217 ; t travel good, besides there is large jobs arises with fixing necessary paperss in order to have a recognition, another job is liquid plenty pledge. So we can see, that enterprises collide with many jobs when they are seeking to have a recognition.

What for our state should back up little concern? Small concern creates new workplaces, signifier in-between category, develop trade and production. If we would non develop little concern, there will be no competitory market, therefore there will be no betterments in our market, in merchandises and services. So, we should develop little concern in Kazakhstan to construct up our economic system, peculiarly we should better our crediting system of little endeavors, because little houses have to develop themselves, but they can non make that without money. Therefore, our research job is with which jobs little concern meets, when it is seeking to have a recognition.

B. Research construction.

Our research construction:

1. Necessity to recognition little concern. In this chapter, we will state you about needfulness of developing little concern and some ways to recognize funding and puting support.

2. Goals for having a recognition. In this chapter, you will read about purposes of enterprisers who are seeking to have a loan and on what sort of ends Bankss lend money.

3. Footings for having a recognition. You will read about necessary paperss, required in Bankss and troubles with fixing these paperss, about run intoing with representative of recognition section, about pledge and involvement rates.

4. Interest rates and refund. In the chapter we will state you about one of the most of import things, with which each enterpriser meets when he receives a loan & # 8211 ; involvement rates. Another of import thing you will read in this chapter is a twenty-four hours or period of refund.

C. Research methodological analysis.

We conducted our research on instance survey and study. We reviewed literature, Internet, printing information, periodical, scientific discipline magazines, and studies of different Bankss. We conducted an interview with answering Ms Sahauyeva Zhanar, who is working as a main comptroller in & # 8220 ; Oasis & # 8221 ; company, this interview was organized in 3 of April ( checklist, see Appendix # 1 ) .

II.
Necessity to recognition little concern.

First of all, allow us specify the impression of little concern. Harmonizing to the bing jurisprudence, to little concern refer new and on the job endeavors, in which figure of employee non more than 50 and entire cost of assets non more than 60 000 computation indexes ( Law of Republic of Kazakhstan from 19 July 1997 N 131-1 O gosudarstvennoi poddershke malogo predprinimatelstva ( with amendments to this jurisprudence in 10.07.98 & # 8470 ; 283-1 ; in 26.07.99 & # 8470 ; 458-1 ; in 29.11.99 & # 8470 ; 488-1 ) ) . Therefore, for today maximal sum for assets of little endeavors can non transcend 46 500 000 tenge. Small and middle concern & # 8211 ; the footing of market economic system, it overcomes monopoly, supply employment ( see Appendix 2 ) , provide grosss from its activity to authorities, supply more inventions than other signifiers of concern.

It is of import to recognition little concern. Most of little endeavors had to restrict their activity because of deficiency or unavailability of credits. Therefore, now the diminished concern can non transport out its maps, which is create new workplaces, signifier in-between category, develop trade and production, and which is effectual particularly in domain of agribusiness, touristry, rendition of services to the population, etc. Therefore, funding and puting support is the most of import for effectual development of little concern.

Finance and puting support for little concern can be realized in the undermentioned ways:

– Crediting by 2nd tier Bankss precedence undertakings by stamp system on the discriminatory conditions ;

– Creating and development of warrant recognition system in a 2nd grade Bankss, on a footing of organizing pledge financess in parts ;

– Promotion of stimulation of 2nd tier Bankss ;

– Continuance of budget and 2nd tier Bankss funding of undertakings ;

– Development of venture funding ;

– Encouragement of recognition partnerships creative activity, common insurance societies ( Finansirovanie I kreditovaniye subyektov malogo biznesa, 2001 ) .

Summary.

Therefore, we can see, that it is really of import to develop investment and fiscal support of little concern in Kazakhstan. Small concern demands money to spread out their concern, purchase equipment, employ more workers, that is why the key in developing little concern is investing in it.

Mentions.

Finansirovanie I kreditovaniye subyektov malogo biznesa, 2001 hypertext transfer protocol: //business.zakon.kz/fincredit/ ,

Law of Republic of Kazakhstan from 19 July 1997 N 131-1 O gosudarstvennoi poddershke malogo predprinimatelstva ( with amendments to this jurisprudence in 10.07.98 & # 8470 ; 283-1 ; in 26.07.99 & # 8470 ; 458-1 ; in 29.11.99 & # 8470 ; 488-1 ) .

III. Goals for having a loan. III. Goals for having a loan.

There are many ends pursued by enterpriser when he is inquiring for recognition, but non for all intents it is given. For illustration, EBRR gives recognition for addition in working capital, investings like purchase of existent estate, etc. ( Krediti dlya malogo biznesa EBRR, 2001 ) , Kazkomertzbank offer recognition for increasing turnover, increasing working capital for farther growing, enlargement of production or volume of services, purchase of machinery, equipment, row stuffs, betterment of industry, purchase, building and care of existent estate, and other capital investings ( Kreditovaniye, 2001 ) .

In our study, we conducted an interview with main comptroller of & # 8220 ; Oasis & # 8221 ; company. This house was organized in 1997 and busy in selling sweeping trade of medical specialties, the authorised capital was formed from personal nest eggs, and figure of employees is equal to 12. This company took a recognition from Centercredit Bank in twelvemonth 2000. They took a recognition in Centercredit Bank because foremost, they have served in this bank and secondly, there was plan on back uping little concern, which were conducted by EBRR. The end of having a recognition was increasing turnover. With this recognition, the company gained 30 % income – they made 3 contracts on the entire sum of $ 19,000. Therefore, the company got net income from having a recognition ( Sahauyeva, 2001 ) .

Summary.

Therefore, we can reason, that there are many grounds for the endeavors to give an application to the bank in order to have a recognition, and one of the chief ground is puting, i.e. purchasing an equipment, edifice. However, Bankss give recognition chiefly in order to increase turnover. In our instance, the company took recognition precisely for this intents ( increasing turnover ) , and gained a net income.

Mentions.

Krediti dlya malogo biznesa EBRR, 2001 hypertext transfer protocol: //www.fund.kz/ebrr_c.html

Kreditovaniye, 2001 hypertext transfer protocol: //www.kkb.kz/banking_re/sber/service/06_credit.asp

Sahauyeva Zhanar, 2001, interview

IV. Footings for having a loan.

A. Necessary paperss A. Necessary paperss

There are several paperss, which are required in order to have a recognition, they are:

Application Application
Constituent paperss Constituent paperss
Registration certification Registration certification
Statistical card Statistical card
Confirmation of RNN by RNI Confirmation of RNN by RNI
Borrower signifier and chiefs biographical informations Borrower signifier and chiefs biographical informations
Fiscal coverage for the past 3 old ages Financial coverage for the past 3 old ages
Contracts Contracts
Card games with a sample of marks Card games with a sample of marks
Documents set uping right for an object of pledge Documents set uping right for an object of pledge
Certificate about figure of employee with head & # 8217 ; s and accountant & # 8217 ; s marks with seal Certificate about figure of employee with chief’s and accountant’s marks with seal
Marketable securities prospectus Marketable securities prospectus
Marketable securities enrollment certification Marketable securities enrollment certification
Certificate from revenue enhancement review and from extra-budget fund about absence ( or presence ) of debts ( Kreditovaniye, 2001 ) . Certificate from revenue enhancement review and from extra-budget fund about absence ( or presence ) of debts ( Kreditovaniye, 2001 ) .

These are the chief paperss, demanded by Bankss, but representative of recognition section of the bank may necessitate excess paperss, depending upon financed undertaking ( Sahauyeva, 2001 ) .

B. Troubles with fixing paperss for having a loan.

Since half of the twelvemonth 2000 Bankss simplified strategy for giving credits. Until twelvemonth 2000 the chief job in fixing paperss in order to have a recognition was business-plan, but now, after simplifying strategy, the chief job became & # 8211 ; fixing one-year fiscal statements, because Bankss intensify demands for fiscal place and accounting paperss. Why did they escalate? Now the bulk of little endeavors and non merely little behaviors dual accounting – one accounting for revenue enhancement intents and another for presentation to Bankss and investors. In fiscal statement for revenue enhancement intents, for illustration, the company decreases its gross or has losingss, in order to pay fewer revenue enhancements, and if this company will convey the same fiscal statements to the bank to borrow money, most likely the bank will deny for the loan.

Presents there are many organisations, which helps enterprisers to do up different sorts of paperss like fiscal statements, pledge paperss, which are demanded in Bankss, but there is absolute no guarantee that with this fiscal statements you will have a recognition, at the same time services of these houses instead high.

In our interview, our respondent & # 8211 ; Sahauyeva Zhanar, main comptroller of & # 8220 ; Oasis & # 8221 ; , said, that there was more troubles with one-year fiscal statements, than with other paperss. Representative of the recognition section of Bank Centercredit demanded one-year fiscal statement for the last two old ages, which was given to the Tax Committee of Republic of Kazakhstan. As was written before, some little companies conduct double-accounting, and Bankss know about this, that is why Bank Centercredit have demanded fiscal statements for revenue enhancement intents. By the manner, & # 8220 ; Oasis & # 8221 ; company did non addressed to the companies that help endeavors to fix necessary paperss to derive a recognition, but they received a recognition. ( op.cit ) .

This diagram shows in what degree each factor influence on determination of the bank, when it is giving a recognition to the endeavor. As we can see, the most of import is fiscal study & # 8211 ; 31 % , that is why it is really of import for the endeavor to fix it in a best manner. After fiscal statement of the company, follow market, which takes 16 % , this means information about clients, providers and endeavors & # 8217 ; borrowers, and loaners. The following is pledge & # 8211 ; 15 % , we will see it in more inside informations subsequently.

( Beginning of the diagram: Osnovniye prinzipi kreditovaniya MP, 2001 ) .

Another job is acquiring countenance for realisation a undertaking. This is due to troubles with having verification in different province organisations. There are several oversing variety meats whose documentation you have to have, but they are changing depending on the undertaking itself.

– Ministry of Ecology and Natural Resources regional representations

– Sanitary-epidemical services

– State Supervision of architecture and building

– Standardization and enfranchisement variety meats

– Fire services

– Custom services ( Dauanov I. , 2000 )

Chiefly, because of imperfection of our variety meats, and particularly due to corruptness, acquiring through the expertness takes 6 or more months.

C. Meeting with representative of recognition section.

No recognition can be given until a meeting of banker and enterpriser. During this meeting borrower should demo and state about his concern, how it works, in short, he should make the best to show his concern. Banker will inquire him inquiries about fiscal statements of the company, about grosss and losingss, so borrower should be prepared for inquiries like

this. Credit interview is frequently held in bank or in enterprise office. By the manner, enterpriser should ever offer to see his office, and non merely because proprietor is proud to show his concern, but besides to show extra information about his concern like first visual aspect of the office, other suites and edifices ; site, spruceness of the office ; show employees, equipment. This information will better feeling of representative about concern ( Sahauyeva, 2001 ) . Representative in his bend has to be in connexion with borrower, maintain abreast with the demands of the company, should offer bank in order to work out fiscal jobs of the endeavor, and should offer to subject application for a loan. Thus the representative has to understand how concern works, hazards connected with doing trades with this company, maintain up that everything is legal, and expression after how borrower spend recognition ( Osnovniye prinzcipi kreditovaniya MPS, 2001 ) .

From the interview with Sahauyeva Zhanar we learned that & # 8220 ; Oasis & # 8221 ; company besides prepared to the meeting with representative of recognition section. Executor looked through office suites, presence of the basic, and turnaround agencies, in general he was satisfied with entire status of the concern ( Sahauyeva, 2001 ) .

D. Pledge.

1. Required pledge.

Banks have to guarantee their credits, which are given to entrepreneurs in instance of bankruptcy. Therefore, all Bankss demand pledge care from borrowers. Banks accept as a pledge belongings, guarantees of other legal individuals, and other types of pledges. For case, European Bank of Reconstruction and Development accept existent estate, motor vehicles, personal belongings, enterprises & # 8217 ; belongings and goods, which are in concern ( Yevropeyskiy bank rekonstrukzii I razvitiya, 2001 ) . In our considered & # 8220 ; Oasis & # 8221 ; company, the pledges were existent estate of the laminitiss and trade good stocks. Estimated value of the trade good stocks was equal to 20 mln. tenge.

2. Troubles of endeavors with supplying a pledge.& lt ;

Br / >

It is really hard to have a recognition on ordinary footings, offered by Bankss. This is due to most endeavors are non able to supply a pledge required by Bankss or their pledge is non liquid plenty.

There are several jobs, which are originating with supplying a pledge to bank. The most of import is illiquidity of the pledge that if offered by endeavors. Banks accept movable and immoveable belongings, which is owned either by endeavor or enterpriser, guarantees of other legal individuals, marketable securities ( Kreditovaniye, 2001 ) . Another of import thing is that Bankss normally underestimate cost of the pledge. And the last thing is enrollment of paperss confirmed your ownership of the pledge. Banks, when they are giving out a recognition, demand these last two points. Therefore, if the appraisal of the pledge that is carried out by experts of the bank is free of charge, so verification of ownership is carried out at the disbursal of the man of affairs. ( Dauranov I. , 2000 ) .

As we already mentioned, the pledge of & # 8220 ; Oasis & # 8221 ; company to the bank were existent estate and trade good stocks. But foremost, & # 8220 ; Oasis & # 8221 ; company offered merely existent estate as a pledge, but in bank said that this is non plenty, and so company added trade good stocks ( Sahauyeva, 2001 ) . Most likely, that bank underestimated the cost of existent estate, and so demanded more belongings in order to guarantee its money in a best manner. It is good, that & # 8220 ; Oasis & # 8221 ; company could offer trade good stocks, but if there were another company with non really large sum of assets, we think, that bank would deny in borrowing money, because there are so many companies that needs money to increase their turnover or to purchase some equipment, that Bankss could merely take the biggest company with a large sum of assets. This is support the thought that Bankss are more pleased to work with large companies and with large money, instead than with little endeavors.

Therefore, it is really hard to have a recognition. You may hold jobs with supplying a liquid pledge, demanding by Bankss. Even if your concern goes good and profitable, your company could merely hold non adequate assets to offer it to the Bankss, furthermore, you are inquiring a loan to purchase an equipment, to increase your assets, but bank gives loans merely to those, who already developed. Therefore, there is a state of affairs, that rich go richer and hapless become poorer.

E. Interest Rates and Repayment.

Now, allow us see involvement rates, which enterprises have to pay as a payment to the Bankss for imparting money. For illustration, involvement rates of NSBK are determined in dependance with concrete instance and undertaking:

– On credits in national currency & # 8211 ; from 24 %

– On credits in national currency with arrested development of currency tantamount & # 8211 ; from 17 %

– On credits in foreign currency & # 8211 ; from 17 % ( Kreditovaniye, 2001 ) .

These involvement rates looks reasonably high, but there are a batch of plans on back uping little concern, and many Bankss support this policies and offer credits to enterprise on less involvement rates. For case, Kazkommertz Bank offer 1 % on foreign currency credits ( Kreditovaniye ( kkb ) , 2001 ) . For illustration, our instance company & # 8220 ; Oasis & # 8221 ; took recognition under plan of back uping little concern and took a recognition in Bank Centercredit in national currency under 10 % .

The strategy of refund of the recognition and involvement is normally in most Bankss on personal strategy. & # 8220 ; Oasis & # 8221 ; company & # 8217 ; s payment agenda besides was personally scheduled. They took recognition on 9 months and made monthly payments: portion of the recognition itself and portion of involvement rate. In first months refunds involvements charged on low rate, but closer to the 9th
month involvement grew.

Summary.

Therefore, we can reason, that enterpriser has to fix many paperss, prepare to run intoing with executive of recognition section of the bank, have a liquid pledge, and have enough assets to give it as a pledge in order to be able to fulfill the bank & # 8217 ; s demands. There are so high involvement rates, but still there are many plans on back uping little concern loaning and endeavors have to detect foremost, which bank is more suited and so travel and happen out its personal specific footings.

Mentions.

Dauranov I. ( 2000 ) , Maliy bisnes: problemi oformleniya kredita, Al Pari No.5:82.

Kreditovaniye, 2001 hypertext transfer protocol: //www.hsbk.kz/default.asp? page=corporate & A ; n=credit

Kreditovaniye, 2001 hypertext transfer protocol: //www.kkb.kz/banking_re/sber/service/06_credit.asp

Osnovniye prinzipi kreditovaniya MP, 2001 hypertext transfer protocol: //www.tacisinfo.ru/brochure/banksme/pzayav_m.htm

Sahauyeva Zhanar, 2001, interview

Yevropeyskiy bank rekonstrukzii I razvitiya, 2001 hypertext transfer protocol: //www.fund.kz/ebrr_c.html

V.
Datas Analysis
.

Now we will sum up all research paper.

It is really necessary to develop imparting system in Kazakhstan. There are many grounds for this: little concern creates new workplaces, signifier in-between category, develop trade and production, and it was notices that chiefly little concern develops and invents new goods and services, because in that manner little concern has a opportunity to be marked and successfully pull off the concern. In order to transport out these maps, endeavors needs money to increase its turnover, employ more workers for development, purchase new equipment, edifices, to do capital investings in other companies, etc. For these intents endeavors are normally demanding money, but most Bankss most likely to give loans to increase turnover, this is connected with confidence of the loan. For illustration, our considered & # 8220 ; Oasis & # 8221 ; company took loan in order to increase working capital, may be bank was fulfilled by this intent of the company and may be this was one of the grounds of having a recognition.

There are many paperss, demanded in Bankss from companies, which are seeking to have a loan. But the most of import for decision-making is fiscal statements of the prospective borrowers. Many houses conduct double-accounting, this means, that they give one discrepancy of the fiscal statements to revenue enhancement committee and another to investors and Bankss. It is easy to understand why endeavors do so, they are seeking to last and rip off, and there are many grounds to make this, and one of them high revenue enhancements. But, Bankss know that endeavors conduct separate accounting for them and seek to forestall it. For case, Bank Centercredit, which lent money to & # 8220 ; Oasis & # 8221 ; company, demanded one-year fiscal statements of the company, which were given up to the revenue enhancement committee. It is hard to run a concern so, that its fiscal statements would fulfill Bankss and endeavors revenue enhancement antipathy.

Another of import thing is run intoing with representative of recognition section of the bank. And it is necessary that your concern left a good feeling. You will hold to demo your concern, demo how it works, your equipment, employees, offices. Each endeavor have o meet with representative if company truly wants to have a loan.

A immense jobs arises when endeavor have to guarantee a loan by giving a pledge to the bank. Two chief jobs are: that Bankss underestimate the cost of the pledge and troubles with fixing paperss corroborating your ownership of the pledge. Banks prefer existent estate as a pledge, but little endeavors do non hold any edifices, because they are limited in money. Therefore, our Bankss want more, than endeavors are able to let themselves.

Important point in having a loan both for endeavors and Bankss is involvement rates. As it is expected Bankss demand excessively high payment for imparting money. Interest rates are excessively high and most endeavors do non inquiring for a loan because there will come a twenty-four hours and you will hold to pay everything back with high payment for the Bankss services. However, non everything is so bad, there are particular plans of back uping little concern, which offer lower involvement rates, and this is a existent opportunity for endeavors. However, arises another job: there are excessively many houses, wanting to have a loan on lower involvement rate. Thus, addition control over care, fiscal state of affairs of the company, etc. Refund day of the month is besides of import, but Bankss normally make a personal agenda for refund. Normally there are monthly payments with increasing involvement rate.

We can see, that there is many troubles arise with having a loan. Many jobs due to Bankss want to guarantee their loans, they want more safe, but endeavors are non able to accommodate Bankss & # 8217 ; demands, therefore there are jobs with paperss, supplying liquid plenty pledge, run intoing with representative of recognition section and many-many others.

VI.
Decision.

From the conducted research we can reason, that enterprises meet with a really many jobs, when they are seeking to have a recognition. Our loaning system needs to be improved. First of wholly, Bankss should be more indulgent to little endeavors, which are non able to run into some demands of the Bankss, particularly about pledge.

Second, there should be more plans on back uping little concern, like diminishing involvement rates, give credits for a more long periods of clip, etc.

Third, Bankss should halt working merely with & # 8220 ; large people & # 8221 ; with & # 8220 ; large money & # 8221 ; , but besides help little endeavors to come in into market and freely functionate.

There some steps, which were applied in order to better our loaning system, and they are plants, but there should be more support to little concern, because it is so weak in Kazakhstan. Some endeavors, which are reasonably large, instead than others, are gain on these plans, but there should be some support to the novices.

VII. Bibliography. VII. Bibliography.
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Economist

No.6:70-73 No.6:70-73
Dauanov I. ( 2000 ) Maliy biznes: problemi oformleniya kredita Dauanov I. ( 2000 ) Maliy biznes: problemi oformleniya kredita
AlPari

5: 81,82 5: 81,82
Ershova G. ( 1995 ) Podderzka malogo predprinimatelstva Ershova G. ( 1995 ) Podderzka malogo predprinimatelstva
Finansi

No.2:17-18 No.2:17-18
Finansirovanie I kreditovaniye subyektov malogo biznesa, 2001 hypertext transfer protocol: //business.zakon.kz/fincredit/ Finansirovanie I kreditovaniye subyektov malogo biznesa, 2001 hypertext transfer protocol: //business.zakon.kz/fincredit/
Isabekov A. ( 1997 ) Problemi razvitiya malogo I srednego biznesa V Kazakhstane Isabekov A. ( 1997 ) Problemi razvitiya malogo I srednego biznesa V Kazakhstane
Economika Kazakhstana

No.5-6:120-123 No.5-6:120-123
Karibayev A. ( 1997 ) Razvitiye malogo predprinimatelstva v Vostochno-Kazahstanskoi oblasti Karibayev A. ( 1997 ) Razvitiye malogo predprinimatelstva v Vostochno-Kazahstanskoi oblasti
Economika Kazakhstana

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Krediti dlya malogo biznesa EBRR, 2001 hypertext transfer protocol: //www.fund.kz/ebrr_c.html Krediti dlya malogo biznesa EBRR, 2001 hypertext transfer protocol: //www.fund.kz/ebrr_c.html
Kreditovaniye, 2001 hypertext transfer protocol: //www.kkb.kz/banking_re/sber/service/06_credit.asp Kreditovaniye, 2001 hypertext transfer protocol: //www.kkb.kz/banking_re/sber/service/06_credit.asp
Law of Republic of Kazakhstan from 19 July 1997 N 131-1 O gosudarstvennoi poddershke malogo predprinimatelstva ( with amendments to this jurisprudence in 10.07.98 & # 8470 ; 283-1 ; in 26.07.99 & # 8470 ; 458-1 ; in 29.11.99 & # 8470 ; 488-1 ) Law of Republic of Kazakhstan from 19 July 1997 N 131-1 O gosudarstvennoi poddershke malogo predprinimatelstva ( with amendments to this jurisprudence in 10.07.98 ¹ 283-1 ; in 26.07.99 ¹ 458-1 ; in 29.11.99 ¹ 488-1 )
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Economika Kazakhstana

No.9-10:79-84 No.9-10:79-84
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No.9-10:116-121 No.9-10:116-121
Osnovniye prinzipi kreditovaniya MP, 2001 hypertext transfer protocol: //www.tacisinfo.ru/brochure/banksme/pzayav_m.htm Osnovniye prinzipi kreditovaniya MP, 2001 hypertext transfer protocol: //www.tacisinfo.ru/brochure/banksme/pzayav_m.htm
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VIII. Appendixes. VIII. Appendixes.
Appendix 1 Appendix 1

Checklist.

Respondent: Ms. Sahauyeva Zhanar, the main comptroller of & # 8220 ; Oasis & # 8221 ; company.

1. Information about company.

1.1 For what purpose company was organized?

1.2 Beginnings of funded capital ( relations, nest eggs, patrons ) ?

1.3 In which sphere do you work ( trade or production ) ?

1.4 How many employees do company has?

2. Goals of having a loan.

2.1. How do you believe, make little endeavors need to be credited?

2.2. How company used a loan?

2.3. What sum of addition did company received from the loan?

3. Loan.

3.1. In what bank do you prefer to have a loan?

3.2. What liquid pledge did the company supply?

3.3. What involvement rates did the company wage?

3.4. In which footings the company can do a refund ( monthly, quarterly or in the certain day of the month ) ?

Appendix 2

Table # 1

Regions	For the 1 October 1997	For the 1 April 1998
	Parity of little concern rewards and part & # 8217 ; s ( % )	Parity of little concern rewards and part & # 8217 ; s ( % )
Akmolinskaya	64.5	74.9
Aktubinskaya	53.8	46.0
Almatinskaya	91.5	75.9
Alma-ata	80.2	70.9
Atirauskaya	52.2	50.3
Zhambilskaya	40.3	36.9
Karagandinskaya	38.3	35.6
Kizilordinskaya	45.2	41.9
Kostanayskaya	75.7	63.8
Mangistauskaya	75.2	66.7
Pavlodarskaya	63.5	55.9
Entire	680.4	618.8

( Beginning: Tukayev, 1998 ) .