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Micro Finance Projects

Microfinance projects 

Financing is provided to micro-enterprises for EGP 1,000 to EGP 75,000

  • 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 75,000 and a repayment period of up to three years in monthly installments, with a competitive interest rate.
  • The bank serves micro-entrepreneurs through 197 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 25,000

EGP 25,000 to EGP 75,000

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

 

 

 

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

 

Statement

Mashrouak 1

Mashrouak 2

Loan value

EGP 1,000 to EGP 25,000

EGP 25,000 to EGP 50,000

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

18.75% annual declining interest

 

 

3)  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

Sultan Hussain Port Said

 

 

8

6 October Branch - Port Said

 

 

9

Suez Canal University

 

 

10

Suez

Suez

11

6 October Branch - Port Said

Port Said

12

Ismailiya Branch

Ismailiya

13

Qantara West Branch

 

 

14

Fayed Branch

 

 

15

Al-Tal al-Kabir Branch

 

 

16

Future (Al-Mostaqbal)

 

 

17

Qantara East Branch

North Sinai

18

Giza

South Giza

Giza

19

Umm el-Masreyeen

 

 

20

Haram

 

 

21

Badrashin

 

 

22

Ayyat

 

 

23

Awsim

 

 

24

Ashmun

South Delta

Menoufiya

25

Al-Shohada

 

 

26

Tala

 

 

27

Shebin el-Koum

 

 

28

Quweisna

 

 

29

Sadat City

 

 

30

Menouf

 

 

31

Benha

Qalyubiya

32

Shebin el-Qanater

 

 

33

Toukh

 

 

34

Mit Ghamr

Daqahliya

35

Naga Hamadi

South Upper Egypt

Qena

36

Dashna

 

 

37

Qena

 

 

38

Qaft

 

 

39

Qous

 

 

40

Aswan

Aswan

41

Kom Ombo

 

 

42

Edfu

 

 

43

Daraw

 

 

44

Armant

Luxor

45

Luxor

 

 

46

Esna

 

 

47

 15 May

South Cairo

Cairo

48

Citadel

 

 

49

Rawda

 

 

50

Sayeda Zainab

 

 

51

Maadi

 

 

52

New Maadi

 

 

53

Helwan

 

 

54

Dar el-Salam

 

 

55

Maadi Corniche

 

 

56

Zahraa al-Maadi

 

 

57

Al-Saf

Giza

58

Dahab

Sinai

South Sinai

59

Ras Sudr

 

 

60

Tur Sinai

 

 

61

Sharm el-Sheikh

 

 

62

Nuweiba

 

 

63

Abu Qir

East Alexandria

Alexandria

64

Sidi Bishr

 

 

65

Al-Gomrok

West Alexandria

66

Ahmed Orabi

 

 

67

Al-Selsa

 

 

68

Al-Omraneya

 

 

69

Borg el-Arab

 

 

70

Agami

 

 

71

Marsa Matruh

Marsa Matruh

72

Faqous

East Delta

Sharqeya

73

Abu Hammad

 

 

74

Abu Kabir Branch

 

 

75

Zagazig

 

 

76

Al-Qurein Branch

 

 

77

Bilbeis

 

 

78

Dyarb Negm

 

 

79

Kafr Saqr

 

 

80

Minya al-Qamh

 

 

81

Hihya Branch

 

 

82

10th of Ramadan

 

 

83

Nozha

South Cairo

Cairo

84

Helmeyet el-Zatoun

 

 

85

Roxy

 

 

86

Hadaeq al-Qubba

 

 

87

Heliopolis

 

 

88

Galaa Officers Club

 

 

89

Beirut Street

 

 

90

Shams

 

 

91

Orouba

 

 

92

Salah Salem

 

 

93

Saray al-Qubba

 

 

94

Salam City

 

 

95

Manshiyet el-Bakry

 

 

96

Al-Warraq

North Giza

Giza

97

Monsha’at al-Qanater

 

 

98

Gamaliya

North Delta

Daqahleya

99

Aga

 

 

100

El Senbellawein

 

 

101

Matariya

 

 

102

Manzala

 

 

103

Mansoura

 

 

104

Zarqa

 

 

105

Belqas

 

 

106

Dekernes

 

 

107

East Mansoura Security Directorate

 

 

108

Shirbin

 

 

109

Minya el-Nasr

 

 

110

Ras el-Bar

Damietta

111

Damietta

 

 

112

New Damietta

 

 

113

Faraskur

 

 

114

Kafr Saad

 

 

115

Al-Wasty

North Upper Egypt

Beni Suef

116

Beni Suef

 

 

117

Beba

 

 

118

El-Fashn

 

 

119

Fayoum

Fayoum

120

Maghagha

Minya

121

Beni Mazar

 

 

122

Matay

 

 

123

Samalut

 

 

124

Minya

 

 

125

Abu Qurqas

 

 

126

Malawi

 

 

127

New Minya

 

 

128

Agha Khan

North Cairo

Cairo

129

Abassiya

 

 

130

Nile

 

 

131

Ramses

 

 

132

Roud el-Farag

 

 

133

Shubra Kholousi

 

 

134

Shubra el-Kheima

Qalyubia

135

Al-Qanater al-Khayreya

 

 

136

Kafr el-Dawar

West Delta

Beheira

137

Abu Hummus

 

 

138

Mahmoudiya

 

 

139

Shubrakhit

 

 

140

Itay al-Barud

 

 

141

Badr

 

 

142

Damanhour

 

 

143

Rashid (Rosetta)

 

 

144

Kom Hamada

 

 

145

Abu el-Matamir

 

 

146

Nubaria

 

 

147

Al-Saha

West Cairo

Cairo

148

Kasr al-Aini

 

 

149

Mohamed Roshdy

 

 

150

Bab al-Louq

 

 

151

Talaat Harb

 

 

152

Obour

Nasr City & New Cities

153

Nasr City

 

 

154

Moqattam

 

 

155

Kafr el-Sheikh

Central Delta

Kafr el-Sheikh

156

Baltim

 

 

157

Bila

 

 

158

Desouq

 

 

159

Fouda Branch

 

 

160

Al-Rahmaniya

 

 

161

Sidi Salem

 

 

162

Al-Mahalla al-Kubra

Gharbeya

163

Basyoun

 

 

164

Zifta

 

 

165

Tanta - El-Geish Street

 

 

166

Qotour

 

 

167

Kafr al-Zayat

 

 

168

Assiut

Central Upper Egypt

Assiut

169

Dayrout

 

 

170

Al-Qawseya

 

 

171

Manfalut

 

 

172

New Assiut

 

 

173

Abu Tig

 

 

174

Sohag

Sohag

175

Al-Kawthar Sohag

 

 

176

Akhmim

 

 

177

El-Balyana

 

 

178

Al-Monsha’a

 

 

179

Girga

 

 

180

Tama

 

 

181

Tahta

 

 

182

Al-Maragha

 

 

183

Kharga

Al-Wady al-Gedid (New Valley)

184

Farafra

 

 

185

Dakhla

 

 

186

Attaba

Downtown Cairo

Cairo

187

Mohamed Farid

 

 

188

Al-Dawawin

 

 

189

26 July Street

 

 

190

Bein el-Sourein

 

 

191

Abdel Khaled Tharwat

 

 

192

High Court House

 

 

193

Sherif Street

 

 

194

Tawfiqiya

 

 

195

Azbakeya

 

 

196

Al-Mousky

 

 

197

Darassa