{"id":10761,"date":"2024-02-16T11:38:32","date_gmt":"2024-02-16T10:38:32","guid":{"rendered":"https:\/\/2025.podjetniskisklad.si\/p7-2024-microcredits-2024\/"},"modified":"2026-01-12T11:16:45","modified_gmt":"2026-01-12T10:16:45","slug":"p7-2024-microcredits-2024","status":"publish","type":"post","link":"https:\/\/www.podjetniskisklad.si\/en\/p7-2024-microcredits-2024\/","title":{"rendered":"P7 2024 | Microcredits 2024"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1331.2px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\" id=\"informacije\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Purpose of the call<\/h2><\/div><div class=\"fusion-text fusion-text-1\"><p><span data-fusion-font=\"true\">The purpose of the product is to directly provide <\/span><strong data-fusion-font=\"true\">favorable repayable financing sources to micro and small enterprises <\/strong><span data-fusion-font=\"true\">to cover the costs of business processes and\/or projects presented in the financing application.<\/span><\/p>\n<\/div><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Amount of funding<\/h2><\/div><div class=\"fusion-text fusion-text-2\"><ul>\n<li><span data-fusion-font=\"true\">From EUR 5,000 to EUR 25,000 of credit<\/span><\/li>\n<li><span data-fusion-font=\"true\">100% coverage of eligible business process and\/or project costs<\/span><br \/><span data-fusion-font=\"true\">Possibility to submit 1 application.<\/span><\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Funds available<\/h2><\/div><div class=\"fusion-text fusion-text-3\"><ul>\n<li><span data-fusion-font=\"true\">EUR 10 million<\/span><\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Loan conditions<\/h2><\/div><div class=\"fusion-text fusion-text-4\"><ul>\n<li><strong data-fusion-font=\"true\">Repayment period: <\/strong><span data-fusion-font=\"true\">from 2 to 5 years<\/span><\/li>\n<li><strong data-fusion-font=\"true\">Moratorium: <\/strong><span data-fusion-font=\"true\">from 1 to 6 months<\/span><br \/><span data-fusion-font=\"true\">(with the possibility of extension up to \u00bd of the credit maturity)<\/span><\/li>\n<li><strong data-fusion-font=\"true\">Interest rate: <\/strong><span data-fusion-font=\"true\">37.5% of the 6-month EURIBOR + a fixed margin of 0.8%<\/span><\/li>\n<li><strong data-fusion-font=\"true\">Security: <\/strong><span data-fusion-font=\"true\">8 company bills of exchange<\/span><\/li>\n<li><strong data-fusion-font=\"true\">No loan management and approval fees<\/strong><\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Conditions for application<\/h2><\/div><div class=\"fusion-text fusion-text-5\"><ul>\n<li><span data-fusion-font=\"true\">Status of a micro or small enterprise (sole proprietor, limited liability company, cooperative with limited liability)<\/span><\/li>\n<li><span data-fusion-font=\"true\">At least 1 employee for full-time employment<\/span><\/li>\n<li><span data-fusion-font=\"true\">Company established and operating before January 1, 2022<\/span><\/li>\n<li><span data-fusion-font=\"true\">Credit rating of at least SB7<\/span><\/li>\n<li><span data-fusion-font=\"true\">The company must not be in difficulty<\/span><\/li>\n<li><span data-fusion-font=\"true\">The company does not belong to an excluded sector<\/span><\/li>\n<li><span data-fusion-font=\"true\">\u00bbde minimis\u00ab<\/span><\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Conditions for drawing credit<\/h2><\/div><div class=\"fusion-text fusion-text-6\"><ul>\n<li><strong data-fusion-font=\"true\">Drawdown:<\/strong><span data-fusion-font=\"true\"> Purpose-bound and in a single amount<br \/><\/span><span data-fusion-font=\"true\">(no later than 45 days after credit approval)<\/span><\/li>\n<li><strong data-fusion-font=\"true\">Repayment method:<\/strong><span data-fusion-font=\"true\"> monthly, in installments<\/span><\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Eligible costs<\/h2><\/div><div class=\"fusion-text fusion-text-7\"><ul>\n<li><span data-fusion-font=\"true\">Tangible fixed assets (purchase of new equipment)<\/span><\/li>\n<li><span data-fusion-font=\"true\">Intangible fixed assets (purchase of patented rights, licenses, etc.)<\/span><\/li>\n<li><span data-fusion-font=\"true\">Costs of material and merchandise<\/span><\/li>\n<li><span data-fusion-font=\"true\">Service costs<\/span><\/li>\n<li><span data-fusion-font=\"true\">Labor costs (net salary, income tax, contributions, meal costs, allowance,\u2026)<\/span><\/li>\n<li><span data-fusion-font=\"true\">Charged related VAT on other eligible costs<\/span><\/li>\n<\/ul>\n<p><span data-fusion-font=\"true\">Eligible costs <\/span><strong data-fusion-font=\"true\">do not include<\/strong><span data-fusion-font=\"true\"> the purchase of vehicles for road freight transport, and the costs of construction, purchase, and renovation of business real estate.<\/span><\/p>\n<p><strong data-fusion-font=\"true\">Period of eligible costs:<\/strong><span data-fusion-font=\"true\"> Eligible costs of the business process\/project can be incurred up to 6 months before the submission of the application and 18 months after the approval of the credit.<\/span><\/p>\n<\/div><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Tender deadlines and method of submitting the application<\/h2><\/div><div class=\"fusion-text fusion-text-8\"><ul>\n<li><span data-fusion-font=\"true\">Application submission is <\/span><span data-fusion-font=\"true\" style=\"font-weight: bold;\">electronic, via the <\/span><a href=\"https:\/\/eportal.podjetniskisklad.si\/\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"\">ePortal<\/a><b> <\/b><span data-fusion-font=\"true\">of the Fund<\/span><\/li>\n<li><span data-fusion-font=\"true\">The application can be submitted on the following application deadlines:<\/span>\n<ul>\n<li><span data-fusion-font=\"true\">March 8, 2024, until 2:00 PM<\/span><\/li>\n<li><span data-fusion-font=\"true\">April 8, 2024, until 2:00 PM<\/span><\/li>\n<li><span data-fusion-font=\"true\">or until all funds are exhausted<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:24px;margin-bottom:24px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#bdd9ed;border-color:#bdd9ed;border-top-width:1px;\"><\/div><\/div><div class=\"fusion-title title fusion-title-9 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-font-size:40px;\" id=\"dokumentacija\"><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:40;line-height:1.2;\">Information for entrepreneurs<\/h1><\/div><div class=\"fusion-title title fusion-title-10 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);\" id=\"razpisdokumentacija\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">1. Tender and documentation<\/h2><\/div><div class=\"fusion-text fusion-text-9\" id=\"razmiki\"><p>Publication of the public tender in Ur. l. RS no. 13\/2024 dated 16.2.2024  <\/p>\n<ul>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2024\/02\/P7-2024-Mikrokrediti-2024-JAVNI-RAZPIS-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Public Call P7 2024<\/a><\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2024\/02\/P7-2024-Mikrokrediti-2024-RAZPISNA-DOKUMENTACIJA.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Call documentation P7 2024<\/a><\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2024\/02\/PP-P7-2024-14.2.2024.-.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Special conditions for the P7 2024 call<\/a><\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2024\/09\/Navodila-porocanja-P7-2024-spr.-1.2.2024.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Reporting instructions<\/a><\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2024\/02\/Zahtevek-za-crpanje-kredita-P7-2024.docx\" target=\"_blank\" rel=\"noopener noreferrer\">Request for loan disbursement<\/a><\/li>\n<li><a href=\"https:\/\/view.officeapps.live.com\/op\/view.aspx?src=https%3A%2F%2Fwww.stat.si%2Fdokument%2F5424%2Fkohezijske_%2520statisticne_obcine.xls&amp;wdOrigin=BROWSELINK\" target=\"_blank\" rel=\"noopener noreferrer\">Municipalities classified in the Eastern\/Western cohesion region<\/a><\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-11 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">2. Registration and creation of a company in the ePortal<\/h2><\/div><div class=\"fusion-text fusion-text-10\"><ul>\n<li>Before completing the application form, the applicant registers and creates a company profile<\/li>\n<li>If the applicant needs assistance in preparing the application, they can add an authorized representative who is also registered on the Fund&#8217;s ePortal.<\/li>\n<li>You can view the operation of the ePortal for submitting the application in the <a href=\"https:\/\/www.podjetniskisklad.si\/en\/help\/eportal\/\" target=\"_blank\" rel=\"noopener noreferrer\">presentation video<\/a><\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-12 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">3. Preparation of the application<\/h2><\/div><div class=\"fusion-text fusion-text-11\"><ul>\n<li>\n<div><strong>Fund form \u2013 ePortal<\/strong><\/div>\n<ul>\n<li>Completion of the electronic form &#8220;Application for financing P7 2024 MICROCREDITS 2024&#8221; in the <a href=\"https:\/\/eportal.podjetniskisklad.si\/\" target=\"_blank\" rel=\"noopener noreferrer\">ePortal<\/a>, which includes:\n<ul>\n<li>Questionnaire for determining the political exposure of a person<\/li>\n<li>Questionnaire for determining connections with a high-risk country<\/li>\n<li>Authorization for the needs of data verification at FURS<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li><strong>Mandatory financial attachments<\/strong><\/li>\n<ul>\n<li>Creditworthiness documents S.BON-1 or eS.BON (online credit rating) for companies, sole proprietors, and cooperatives based on the annual report for 2022<\/li>\n<li><span style=\"background-color: rgba(0, 0, 0, 0);\">Accounting statements for 2022 (balance sheet and income statement), which were submitted to AJPES<\/span><\/li>\n<\/ul>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-13 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">4. Contact persons of the SPS for entrepreneurs<\/h2><\/div><div class=\"fusion-text fusion-text-12\"><ul>\n<li>Boris Ritlop (02) 234 12 88<\/li>\n<li>Bojana Mikeln (02) 234 12 74<\/li>\n<li>or by email at <a href=\"mailto:razpisi@podjetniskisklad.si\">razpisi@podjetniskisklad.si<\/a><\/li>\n<\/ul>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:24px;margin-bottom:24px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#bdd9ed;border-color:#bdd9ed;border-top-width:1px;\"><\/div><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-min-height:no;--awb-min-height-medium:no;--awb-min-height-small:no;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_3 1_3 fusion-flex-column fusion-flex-align-self-stretch\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-max-width:250px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"178\" height=\"116\" alt=\"EU Structural and Investment Funds logo\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27178%27%20height%3D%27116%27%20viewBox%3D%270%200%20178%20116%27%3E%3Crect%20width%3D%27178%27%20height%3D%27116%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2025\/11\/logotipi_09.webp\" class=\"lazyload img-responsive wp-image-7112\"\/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_3 1_3 fusion-flex-column fusion-flex-align-self-stretch\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-max-width:200px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none\"><img decoding=\"async\" width=\"400\" height=\"188\" alt=\"Logo of the fund of funds of SID Bank\" src=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2025\/12\/SID_skladi_skladov_logotip_avgust_2020-1-400x188-1.webp\" data-orig-src=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2025\/12\/SID_skladi_skladov_logotip_avgust_2020-1-400x188-1.webp\" class=\"lazyload img-responsive wp-image-10664\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27400%27%20height%3D%27188%27%20viewBox%3D%270%200%20400%20188%27%3E%3Crect%20width%3D%27400%27%20height%3D%27188%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2025\/12\/SID_skladi_skladov_logotip_avgust_2020-1-400x188-1-200x94.webp 200w, https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2025\/12\/SID_skladi_skladov_logotip_avgust_2020-1-400x188-1.webp 400w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 800px) 100vw, 400px\" \/><\/span><\/div><\/div><\/div><\/div><div class=\"fusion-text fusion-text-13\"><p>Co-financing of the Republic of Slovenia and the EU from the European Structural and Investment Funds<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":10762,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[153,148],"tags":[152],"class_list":["post-10761","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-public-tenders","category-public-tenders-and-calls","tag-novdizajnjrjp"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>P7 2024 | Microcredits 2024 - SEF<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.podjetniskisklad.si\/en\/p7-2024-microcredits-2024\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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