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Micro Finance Projects

Microfinance projects 

Financing is provided to micro-enterprises for EGP 1,000 to EGP 150,000

  • Banque Misr contributes to supporting projects that are based on development, expansion, replacement, and renewal through financing projects that provide permanent job opportunities, and that increase production and income.
  • The bank aims to finance all existing activities, whether commercial, industrial, or service oriented, for micro-enterprises, with a value ranging from EGP 1,000 to EGP 150,000 and a repayment period of up to three years in monthly installments, with a competitive interest rate.
  • The bank serves micro-entrepreneurs through 210 branches across the Arab Republic of Egypt.
  • The bank grants loans to finance microenterprises’ working capital, provided that at least one year has passed since the start of the business activity.

 

Conditions:-

  • Annual revenues should be less than EGP 1 million.
  • The borrower must be a full Egyptian citizen in order to be considered eligible.
  • The borrower must be no less than 21 years old and no more than 65 years old at the time of loan maturation. In the event that the borrower is over 65, a guarantee of no more than 60 years is required at the maturity date of the loan.
  • The presence of a joint guarantor.
  • The borrower, or the guarantor at least, must be able to read and write.

 

Loans are provided according to the terms listed on the following table:-

1)  Micro-enterprises (Al-Batal)

Statement

First product

Second product

Loan value

EGP 1,000 to EGP 30,000

EGP 30,000 to EGP 150,000

Targeted sectors

Commercial, industrial, services

Required documents

  • A copy of the lease or ownership contract or a fixed-term rental contract, the date of which is registered at the Real Estate Registry.   
  • A copy of the borrower’s and guarantor’s valid national IDs.

 

  • Recent facility bills (water, gas, electricity, telephone bill) in the name of the borrower or the owner of the place of activity, with the date not exceeding three months.  
  • A copy of the lease or ownership contract or a fixed-term rental contract, the date of which is registered at the Real Estate Registry.
  •  
  • A copy of the borrower’s and guarantor’s valid national IDs.
  •  
  • Recent facility bills (water, gas, electricity, telephone bill) in the name of the borrower or the owner of the place of activity, with the date not exceeding three months.
  •  
  • Copy of tax card.
  •  
  • Copy of the last insurance payment receipt.
  •  
  • A recent certificate of commercial rulings (protest against non-payment and bankruptcy) for the last five years.

Loan period

Four to 18 months

Six to 36 months

Installment period

Monthly installments

Interest rate

28% annual declining interest

22.75% annual declining interest

 

 

 

2)  The national project for communal, human, and local development (Mashrouak)

 

Statement

Mashrouak 1

Mashrouak 2

Loan value

EGP 1,000 to EGP 30,000

EGP 30,000 to EGP 150,000

Targeted sectors

Commercial, industrial, services

Required documents

  • A copy of the lease or ownership contract or a fixed-term rental contract, the date of which is registered at the Real Estate Registry.
  • A copy of the borrower’s and guarantor’s valid national IDs.
  • Recent facility bills (water, gas, electricity, telephone bill) in the name of the borrower or the owner of the place of activity, with the date not exceeding three months.
  • A letter from the local or district unit within its geographical scope in the location of the client's project, as well as assisting the bank in following up on the financed projects and the facilities in the project location, in the event that the customer fails to comply with the payment of three installments, while exempting projects that are operated within the owner’s household.
  • Copy of the military recruitment status certificate for customers less than 35 years old.
  • A copy of the lease or ownership contract or a fixed-term rental contract, the date of which is registered at the Real Estate Registry.
  • A copy of the borrower’s and guarantor’s valid national IDs.
  • Recent facility bills (water, gas, electricity, telephone bill) in the name of the borrower or the owner of the place of activity, with the date not exceeding three months.
  • A letter from the local or district unit within its geographical scope in the location of the client's project, as well as assisting the bank in following up on the financed projects and the facilities in the project location, in the event that the customer fails to comply with the payment of three installments, while exempting projects that are operated within the owner’s household.
  • Copy of the military recruitment status certificate for customers less than 35 years old.
  • Copy of tax card.
  • Copy of the license to practice the business activity (permanent or temporary).
  • A recent copy of the commercial registration.
  • Copy of the last insurance payment receipt.
  • A recent certificate of commercial rulings (protest against non-payment and bankruptcy) for the last five years.

Loan period

Four to 18 months

12 to 36 months

Installment period

Monthly installments

Interest rate

28% annual declining interest

19.75% annual declining interest

 

 

3)  The branches in which the micro-financing products are available nationwide 

The branches in which the micro-financing products are available nationwide 

 

Banque Misr Branches

Area

Governorates

1

Hurghada

Red Sea

Red Sea

2

Ras Ghareb

3

Safaga

4

Qoseir

5

Marsa Alam

6

Gomhoreya Street

Suez Channel

Port Said

7

Port Said

8

6 October Branch - Port Said

9

Port fouad

10

Suez

Suez

11

Ismailiya Branch

Ismailiya

12

Qantara West Branch

13

Fayed Branch

14

Al-Tal al-Kabir Branch

15

Bir al-Abed

North Sinai

16

Qantara East Branch

17

Giza

South Giza

Giza

18

Kasr Haram

19

King Faisal

20

Omrania

21

Umm el-Masreyeen

22

Haram

23

Badrashin

24

Ayyat

25

Awsim

26

Ashmun

South Delta

Menoufiya

27

Al-Shohada

28

Tala

29

Shebin el-Koum

30

Quweisna

31

Menouf

32

Benha

Qalyubiya

33

Shebin el-Qanater

34

Toukh

35

Mit Ghamr

Daqahliya

36

Naga Hamadi

South Upper Egypt

Qena

37

Dashna

38

Qena

39

Qaft

40

Qous

41

Aswan

Aswan

42

Kom Ombo

43

Edfu

44

Daraw

45

Armant

Luxor

46

Luxor

47

Esna

48

 15 May

South Cairo

Cairo

49

Citadel

50

Rawda

51

Sayeda Zainab

52

Maadi

53

New Maadi

54

Helwan

55

Dar el-Salam

56

Maadi Corniche

57

Zahraa al-Maadi

58

Al-Saf

Giza

59

Dahab

Sinai

South Sinai

60

Ras Sudr

61

Tur Sinai

62

Sharm el-Sheikh

63

Abu Redis

64

Soho Square

65

Nuweiba

66

Abu Qir

East Alexandria

Alexandria

67

Sidi Bishr

68

Seizostris

69

Al-Gomrok

West Alexandria

70

Ahmed Orabi

71

Al-Selsa

72

Al-Ameria

73

Borg el-Arab

74

Agami

75

Marsa Matruh

Marsa Matruh

76

Faqous

East Delta

Sharqeya

77

Abu Hammad

78

Abu Kabir Branch

79

Zagazig

80

Al-Qurein Branch

81

Bilbeis

82

Dyarb Negm

83

Kafr Saqr

84

Minya al-Qamh

85

Hihya Branch

86

10th of Ramadan

87

Nozha

East Cairo

Cairo

88

Hadaeq al-Qubba

89

Heliopolis

90

Galaa Officers Club

91

Beirut Street

92

Shams

93

Orouba

94

Salah Salem

95

Salam City

96

Roxy

97

Misr & Sudan

98

Manshiet Bakri

99

Dokki

North Giza

Giza

100

Embaba

101

El-Ealam Baranch

102

El-mohandesin

103

Monsha’a Elkanater

104

Gamaliya

North Delta

Daqahleya

105

Aga

106

El Senbellawein

107

Matariya

108

Manzala

109

Mansoura

110

Zarqa

111

Belqas

112

Dekernes

113

East Mansoura Security Directorate

114

Shirbin

115

Minya el-Nasr

116

Ras el-Bar

Damietta

117

Damietta

118

New Damietta

119

Faraskur

120

Kafr Saad

121

Al-Wasta

North Upper Egypt

Beni Suef

122

Beni Suef

123

Beba

124

El-Fashn

125

Fayoum

Fayoum

126

Sanoras

127

Etsa

128

Maghagha

Minya

129

Beni Mazar

130

Matay

131

Samalut

132

Minya

133

Abu Qurqas

134

Malawi

135

Dir Mawas

136

Taha hussien

137

New Minya

138

Agha Khan

North Cairo

Cairo

139

Abassiya

140

Nile

141

Ramses

142

Roud el-Farag

143

Shubra Kholousi

144

Shubra el-Kheima

Qalyubia

145

Al-Qanater al-Khayreya

146

Kafr el-Dawar

West Delta

Beheira

147

Abu Hummus

148

Mahmoudiya

149

Shubrakhit

150

Itay al-Barud

151

Badr

152

Damanhour

153

Rashid

154

Kom Hamada

155

Abu el-Matamir

156

Nubaria

157

Al-Saha

West Cairo

Cairo

158

Kasr al-Aini

159

Mohamed Roshdy

160

Bab al-Louq

161

Talaat Harb

162

Obour

Nasr City & New Cities

163

Nasr City

164

Moqattam

165

Kafr el-Sheikh

Central Delta

Kafr el-Sheikh

166

Baltim

167

Bila

168

Desouq

169

Fowa Branch

170

Al-Rahmaniya

171

Sidi Salem

172

Al-Mahalla al-Kubra

Gharbeya

173

 Basyoun

174

 Zifta

175

Mohamed Farid Tanta

176

Qotour

177

Kafr al-Zayat

178

Assiut

Central Upper Egypt

Assiut

179

Dayrout

180

Al-Qawseya

181

Saddfa

182

Manfalut

183

New Assiut

184

Abu Tig

185

Sohag

Sohag

186

Al-Kawthar Sohag

187

Akhmim

188

El-Balyana

189

Al-Monsha’a

190

Girga

191

Tama

192

Tahta

193

Sakulta

194

Al-Maragha

195

Kharga

Al-Wady al-Gedid (New Valley)

196

Farafra

197

 Dakhla

198

EL-Mosski

Downtown Cairo

Cairo

199

Mohamed Farid

200

Al-Dawawin

201

26 July Street

202

Bein el-Sourein

203

Attaba

204

Abdel Khaled Tharwat

205

Police complex

206

High Court House

207

El-Darrasa

208

Sherif Street

209

Tawfiqiya

210

Azbakeya