ANALYSIS OF THE STATE PROGRAM «AVAILABLE LOANS 5-7-9%»

In a pandemic due to quarantine restrictions, many businesses suffer losses. For the state, there was a question of support of representatives of a small and average business. That is why the Government of Ukraine has introduced the program "Affordable Loans 5-7-9%", which has been useful to many entrepreneurs and is in demand in the future. The results of the implementation of the state program "Affordable Loans 5-7-9%" are analyzed and it is established that the constant changes in the program are both positive and negative. To reach more entrepreneurs who can take advantage of the state program, the government is constantly updating the terms of cheap loans. The article states the conditions, essence, and trends in lending to enterprises under the preferential program. The primary factors influencing the positive decision of the bank when granting a loan have been identified. The article presents statistical data of the most active banks by the number of concluded loan agreements and in terms of lending objectives. The paper presents the reasons for granting most of the loans to agricultural enterprises. It is stated why the authorities revised the terms of lending and refused to refinance loans at 0%. It was found that the pandemic has not only negative consequences but also an opportunity for business development and expansion. Thanks to the state program to support startups, you can start your own business, this is what the program provided for the introduction of quarantine. The Affordable Loans 5-7- 9% program is relevant for people who have lost their jobs in the last year, so they have an incentive to start a business. Analyzing the shortcomings of the state program, we can say that they are due to the need of banks to protect themselves from the insolvency of the enterprises they lend.