Our Village Project
Financial and non-financial support for the start and development of agriculture
Erste Bank's social banking program for start-ups, social enterprises and civil society organizations "Step by Step" in cooperation with Delta Holding and within the project "Our Village" helps to establish and develop agriculture in underdeveloped areas and to rebuild villages in Serbia.
The Step-by-Step program is the Erste Group social banking program. We offer customized banking services to start-ups, social enterprises and civil society organizations for further development of our society. Through the provision of special-purpose loans, we help our clients establish and develop a small enterprise, increase employment and contribute to greater development of the local community. Our products are coupled with financial education and mentoring, all with an aim to help clients make quality business decisions.
Who is the program intended for?
Prerequisites for the participation in the program
What the program offers
Educational support
You can find 9 educational modules on the korakpokorak.rs educational platform. Each module represents one business plan segment. The goal of the modules is to help you create a proper business plan.
Mentoring support
Borrowers who are granted a loan will be assigned a business mentor on the basis of their needs. The mentor will provide them the advice on the business development over a period of 12 months, as well as support in setting and monitoring their development goals.
Offered products
for start-ups
Investment loan
Finance the procurement of equipment and vehicles, purchase and refurbishment of your business premises or the expansion of your production capacity for a longer tenor, grace period and with minimum security instruments.
- The loan may be in RSD / EUR
- Up to 60 months tenor
- Grace period up to 12 months
- Repayment in monthly installments
- Loan processing costs - 0.25%
- Obligatory 10% down payment and submission of pro-forma invoices
- Bills of exchange as security instruments
- Simple process
Permanent working capital loan
Finance the procurement of raw materials, materials, finished products and goods for a longer tenor, grace period and with minimum security instruments.
- The loan may be in RSD / EUR
- Up to 36-month tenor
- Grace period up to 12 months
- Repayment in monthly installments
- Loan processing costs 0.5%
- Obligatory 10% down payment and submission of pro-forma invoices
- Bills of exchange as security instruments
- Simple process
Steps in the application of start-ups to the program
Registration atthe platform and downloading the business plan
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E-learning
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Business plan submission
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Success stories of our clients
The program is implemented with the support by the following partners:
This program is supported through a guarantee funded by the European Union within the EaSI (Programme for Employment and Social Innovation) established under Regulation (EU) no. 1296/2013 of the European Parliament and the Council establishing the Union Programme for Employment and Social Innovation ('EaSI').
The program is provided with the support of the American people through the United States Agency for International Development (USAID). The content of the program is under the exclusive responsibility of Erste Bank and does not reflect the views of USAID or the United States Government.
