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1,659 Farms Receive Almost UAH 9 Billion Under “Affordable Loans 5-7-9” in 2025

by Roman Cheplyk
Friday, March 21, 2025
2 MIN
1,659 Farms Receive Almost UAH 9 Billion Under “Affordable Loans 5-7-9” in 2025
Agriculture Business in Ukraine Economy Investments

This initiative remains a cornerstone of Ukraine’s efforts to strengthen its agricultural sector by offering low-interest loans, particularly for small and medium-sized farms

Below are the latest highlights and regional breakdowns.

1. Key Figures and Regions Leading in Financing

  1. Overall Lending

    • 1,659 farms received UAH 8.9 billion in loans under “5-7-9” since January 2025.
    • Participation in the program requires that the farm is registered with DAR (the State Agrarian Registry).

  2. Top Regions

    • Kyiv Region: UAH 892.3 million for 138 farms
    • Chernihiv Region: UAH 855.4 million for 116
    • Odesa Region: UAH 711.9 million for 140
    • Kirovohrad Region: UAH 680.5 million for 152
    • Vinnytsia: UAH 630.8 million for 124
    • Sumy: UAH 601.5 million for 77
    • Poltava: UAH 536.2 million for 90
    • Dnipropetrovsk: UAH 432.4 million for 82

2. Broader Lending Landscape

  1. Since the Start of 2025

    • 4,438 agricultural enterprises overall accessed more than UAH 20.3 billion in loans under various programs, reinforcing the crucial role of external financing in the sector’s growth.

  2. Comparisons with 2024

    • In 2024, Ukraine’s banks provided 104.5 billion UAH in credits to 13,088 agricultural businesses.
    • Within the “Affordable Loans 5-7-9” framework alone, 8,750 farms were financed for 46.9 billion UAH.

3. “Affordable Loans 5-7-9” Essentials

  1. Objective

    • Simplify access to credit for micro and small business owners, including individual farmers.
    • Encourage investment in agricultural modernization and development.

  2. Loan Amounts & Rates

    • Farms can receive up to UAH 90 million, with an annual interest rate between 5–9%, based on loan category and the type of borrower.

  3. World Bank Support

    • In 2024–2025, preferential financing under “5-7-9” is possible due to the World Bank’s ARISE initiative (Emergency Project for Providing Inclusive Support for the Restoration of Agriculture in Ukraine).
    • This backing ensures that smaller farms can tap into banking services at more affordable rates.

4. Impact on the Agricultural Sector

  1. Enhancing Competitiveness

    • Access to low-interest capital enables farms to upgrade equipment, purchase inputs, and invest in new technologies.

  2. Bolstering Regional Economies

    • The program stimulates rural development, as producers in major agricultural hubs like Kyiv, Chernihiv, Odesa, and Kirovohrad benefit from the additional liquidity.

  3. Promoting Transparency

    • Conditional requirements, such as registration with DAR, help formalize farm activities, ensuring better data tracking and policy-making.

Conclusion

Under the “Affordable Loans 5-7-9” initiative, 1,659 farms have already acquired nearly UAH 9 billion in 2025, showcasing the program’s pivotal role in strengthening Ukraine’s agricultural sector. As interest rates remain favorable and support from the World Bank persists, more farms are likely to take advantage of these credit options. This continued influx of financing not only propels agricultural growth but also supports broader economic development in Ukraine’s rural regions.

roman-cheplyk
Roman Cheplyk
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