Most MIKRA's clients start lending from MIKRA to meet the needs for current assets.

Loans for current assets capital are commonly used for purchasing of goods - working capital, for purchase of additional inventory, paying wages for more workers, improving the business location or for renting premises on the better location.

Continuous lending, small amounts of credit with a tendency of growth through credit cycles and shorter periods (up to 12 months) are recognized as adequate to meet our clients' needs for working capital.

Investments and temporary acquisition of fixed assets for micro and small businesses are essential for business development and require a larger loan amounts and longer repayment periods.

Acquisition of such fixed assets includes the purchase of delivery vehicles, furniture, simple machines or investments in businesses premises.

Seasonal characters of Mikra's customers business bear the need for additional financial resources provided by the client, either by their own accumulated profits or through additional loans.

Customers who are engaged in agricultural production use their loans largely for farming or expansion of cattle fund, poultry, for growing crops, wheat, corn and fodder to feed livestock (pigs, sheep, cows and poultry) and sell meat, milk or eggs as final products on the market.

Loans are also used for growing crops for direct sale, cultivation of vegetables, the expansion of orchards, cultivation of tobacco, wine grape growing and production of honey.

Continuous lending, small amounts of credit with a tendency of growth through credit cycles and repayment periods adjusted to seasonal nature of demand for investments as well as the dynamics of expected returns have been identified as adequate to meet client's needs in agriculture.

Customers who have experience in agricultural production and own land often opt for the option of investment loans for starting or expanding a lucrative greenhouse production.

Greenhouse production not only brings higher yields than conventional agricultural production (due to the shorter time required for the growth and maturation of culture and reached higher prices) but also opens the possibility of farmers to deal with other activities together with the greenhouse production.

Agricultural production also requires the occasional investments in purchase of small agricultural machines, tractors, cultivators and other equipment for the modernization and improvement of standards of agricultural production.

Striving to improve the living standards of clients through the promotion of housing conditions opened the way to Mikra to find a way to improve the social status of women and families through the consumer credits.

Small business loans – «Flexi Zadruga»

Small business loans – «MAZ Zadruga»