JICA SME (TSL)

No Type of Loan Type of Collateral Period of Loan Interest Rate
1 JICA SME (TSL) Loan If Collateral are available

(Land and Building and other Immovable Asset)

1 to 5 Year 5.5%
2 JICA SME (TSL) Loan If no collateral or lesser collateral value 1 to 5 Year 10% include CGI

Schedule of Loan repayment (Principal and Interest)

  • Principal and interest have to repay at every 3 months.

  • Interest repayment date is once per every 3 months and principal repayment date is 1 year

  • Under 3 year period loans have 6 month Grace Period

  • Over 3 year period loans have 1 year Grace Period

Definition of the Small and Medium Enterprise (SME) Development Law

(9th April 2015)

The Small Enterprise

No Type of Business Number of Employee Investment ( In Millions) Turnover ( In Million)
1 Manufacturing Business Up to 50 Up to 500
2 Labour Intensive or Mainly operates piecework business Up to 300 Up to 500
3 Wholesale Business Up to 30 Up to 100
4 Retail Business Up to 30 Up to 50
5 Service Business Up to 30 Up to 100
6 Other Business Up to 30 Up to 50

The Medium Enterprise

No Type of Business Number of Employee Investment ( In Millions) Turnover ( In Million)
1 Manufacturing Business 51 up to 300 500 Up To 1000
2 Labour Intensive or Mainly operates piecework business 301 up to 600 500 Up To 1000
3 Wholesale Business 301 up to 600 100 up to 300
4 Retail Business 31 up to 60 50 up to 100
5 Service Business 51 up to 100 100 up to 200
6 Other Business 31 up to 60 50 up to 100