Initiatives and services introduced by Saudi Arabian government authorities to support businesses during the emerging COVID-19 pandemic

Development funds and banks

Agricultural Development Fund, Industrial Fund, Human Resources Development Fund, Social Development Bank, National Development Fund

Initiatives introduced by Saudi Arabia’s development funds aim to mitigate any financial and economic impacts that the private sector may experience during the COVID-19 pandemic, and will provide the following support:

• Extending the grace period and rescheduling loans for companies struggling with loans and payments amounting to more than SAR 6 billion
• Providing SAR 1 billion worth of direct and indirect loans to finance working capital
• Allocating SAR 4 billion to provide employment support and training programs that will allow more than 300,000 beneficiaries to work in the private sector
• SAR 1 billion going to help private sector employees who have not previously benefited from the support programs available
• Allocation of SAR 4 billion to provide social loans to low-income families during 2020, with 100,000 Saudi citizens set to benefit
• Increasing the direct lending portfolio for micro and small enterprises to SAR 2 billion, set to help 6,000 male and female entrepreneurs
• Allocation of a portfolio worth SAR 2 billion to provide financing support to small- and medium-size health facilities, with 1,000 existing health facilities benefitting from the funds
• Allocation of SAR 2 billion to finance indirect lending programs through financial institutions

Ministry of Finance

The Ministry of Finance has allocated 120 billion Saudi riyals for private sector support in the following areas:

• Submission and payment of the following for commercial businesses are postponed for a period of 3 months:
• Submission of tax declarations and payment of selective taxes owed
• Submission of VAT declarations and payment of VAT owed
• Supply of declarations, payment of income tax and payment of their obligations.
• Submission of zakat returns and payment of zakat owed
• Payment of the fees due by some government services and municipal fees
• Collection of import duties (bank guarantee required)
• Payment of the following for commercial businesses are postponed for a period of 9 months:
• Loan installments owed to a number of development funds and banks
• Loan installments owed under the Corporate Sustainability Initiative program
• Expansion of financing supporting target economic sectors, which includes deploying working capital
• Expatriates whose residency permit ends from the end of March 2020 to the end of June 2020 are exempted from the allowances and considerations above

Saudi Arabian Monetary Authority (SAMA)

SAMA has implemented a Postponement of Payments Program worth SAR 30 billion to help funding authorities providing capital to Micro, Small and Medium Enterprises (MSMEs) and other institutions and companies, which allows for the delay of repayments of loans and other financial obligations to the relevant funding authorities for a period of 6 months.

• Beneficiaries: All MSMEs as defined by SAMA Institution Circular No. 381000064902 dated 16/06/1438 AH (15th March, 2017) and finance companies subject to SAMA supervision
• Postponement period: All premiums due (including accrued profits) from 14th March 2020 to 14th September 2020
• Entities providing funding: Banks and financial institutions subject to the Saudi Arabian Monetary Authority (SAMA)
• Amount of financing available: SAR 30 billion , aimed at reducing the expected effects of low cash flows on MSMEs, allowing their repayments to be delayed for a period of 6 months
• Note: The total amount given to financing agencies will be allocated to cover the cost of funding provided to MSME beneficiaries.
• Funding commitments: Parties providing funding should communicate with beneficiaries through a documented and approved means of communication to notify them of the rescheduling of financing and the postponement of their due installments according to the prescribed delay period, without any additional cost. They must also provide details of the several options being made available to the beneficiary regarding rescheduling.
• Terms and conditions: The program applies only to facilities classified in the first stage of loan impairment (according to the IFRS 9 standard) from the date of 14th March 2020. The facilities classified in the second and third phases will be dealt with according to the usual procedures followed by funding agencies.
• Application requirements: Funding agencies must sign the necessary agreements with SAMA to implement the program.

Industrial Fund

The Industrial Fund has introduced an initiative to support projects in the industrial sector affected by the outbreak, which involves restructuring and postponing loan payment conditions for all small and medical project teams that will settle their installments during 2020.

The Fund is also developing the following services:

• Considering postponing and restructuring loan payments for medium and large-size projects which are affected by the precautionary measures taken the Saudi government, and those projects whose installments will be repaid during 2020
• Working on developing a product for its partners, which aims to support the operating expenses of small and medium factories affected by the current economic conditions

SMEA/Monshaat

The Public Authority for Small and Medium Enterprises (SMEs) has introduced the following support measures:

? Exempting expatriates whose residency ends between the end of March 2020 to the end of June 2020 from the necessary financial requirements needed for visa renewal, by extending their residency period for a period of three months without reapplication

? Enabling employers to recover any work visa fees incurred after the issuance of permits which were not used during the period of the entry and exit ban even if they were stamped at the airport. Alternatively, work visas will be extended for an additional three months without charge

? Enabling employers to extend unused exit and return visas during the period of the entry and exit ban for a period of three months without charge

? Enabling business owners to delay the following, taking into account the commercial activities most affected, by extending the postponement period as needed:

o Supplying value-added tax, selective goods tax and income tax

o Submission of zakat returns and payment of zakat owed

o Implementing procedures to stop services and seizure of funds by the General Authority of Zakat and Income

? Grant zakat certificates without restrictions on the period of approval for the fiscal year 2019

? Expanding the acceptance of installment requests without requiring a down payment by the General Authority of Zakat and Income

? Postponing the collection of customs duties on imports for a period of 30 days, provided that a bank guarantee is presented for the next three months, while introducing the necessary standards to extend the delay period for the most affected activities as needed

? Postponing the payment of some government service fees and municipal fees due on private sector establishments for a period of three months, while introducing the necessary standards to extend the delay period for the most affected activities as needed

? Authorizing the Minister of Finance to approve lending and other forms of financing and exemptions of payment of fees and returns on loans granted until the end of the year 2020 for the Corporate Sustainability Program initiative

Ministry of Industry and Mineral Resources (MODON)

The Ministry of Industry and Mineral Resources has introduced the following initiatives to support the industrial and mineral resources sectors during this period:

• Reducing 25% of the financial compensation for factories that have an operating license from March 2020 to the end of the year 2020

Supporting factories that have operating licenses, and whose operational activities have been affected by the emerging coronavirus and precautionary measures to address it, by postponing the payment of the necessary financial fees for their facilities for a period of three months

• Extending the operating licenses of the producing factories for an additional period to the end of 2020
• Exemption from financial compensation for contract amendments for the year 2020
• Extending the period of completion of the requirements for the issuance and renewal of industrial licenses for a period of 60 days for licenses that expired during the period of business suspension, thereby allowing investors an extended time limit to help them meet the necessary requirements
• Extending the duration of employment support ending during the 60-day business suspension period
• Extending the duration of customs exemption ending during the 60-day business suspension period
• Extending the duration of chemical exemption ending during the 60-day business suspension period

Saudi Food and Drug Authority

The Saudi Food and Drug Authority has formed a working group to motivate factories and manufacturing facilities across the Kingdom to produce infection prevention supplies.

The initiative aims to motivate factories to maximize productivity by doing the following:

• Boost the rate of production of personal protection equipment (PPE) and other protective products to ensure that they are continuously available to the Kingdom’s domestic market
• Reduce any organizational, financial or operational difficulties that prevent factories from producing essential supplies

The following entities are collaborating on this initiative:

• Ministry of Industry and Mineral Resources
• Industrial Fund
• Local Content and Governmental Procurement Authority
• Saudi National Industrial Cluster Development Program

Saudi Export Development Authority

Saudi Exports have worked to accelerate the activation of the vital role the Export Bank plays in stimulating Saudi non-oil exports, in particular in the industrial and mineral resources sectors.

The Saudi Export Incentive Program supports the following export activities:

• Individual participation in e-commerce platforms: Offset a portion of the costs of registering products on e-commerce sites and other platforms helping to attract potential customers
• Individual participation in international exhibitions: Compensation of part of the costs paid for individual participation in specialized international exhibitions in which the Saudi Export Authority does not participate
• Obtaining product certificates: Compensation of part of the costs of issuing export-related certificates required from foreign countries (g. a certificate of local and international conformity)
• Marketing and Advertising: Offsetting a portion of the costs of the marketing and advertising activities necessary to promote Saudi products in foreign markets
• International Product Registration: Partial compensation for the value of costs of international product registration with government agencies to allow goods to be imported and sold outside the Kingdom
• Facilitate visits of potential buyers: Promote and facilitate business development efforts by offsetting part of the costs of visiting potential buyers
• Consulting services: Offsetting part of the costs of surveying “business strategies and planning and supply chains" with the aim of effectively competing and succeeding in international markets
• Legal support: Partial compensation of the costs of specialized legal advice

Specialized training: Partial compensation for the registration costs of specialized training programs, participation in seminars and workshops, or obtaining certifications for export specialists from international training institutesFunding Support Program

The Funding Support Program has allocated up to SAR 6 billion for financing entities to enable them to exempt micro, small and medium enterprises (MSMEs) from the costs of funding support provision. The program will help to guarantee financing for MSMEs, contribute to reducing the cost of lending, and support the expansion of funding opportunities.

? Beneficiaries: All MSMEs according to SAMA Institution Circular No. 381000064902 dated 16/06/1438 AH (15th March 2017) and finance companies subject to SAMA supervision 

? Period of exemption: From 14th March 2020 to 31st December 2020

? Costs covered: Exempting funding beneficiaries from fees (issuance, renewal, extension, and rescheduling) resulting from the guarantees issued by the program

? Entities providing funding: Banks and financial institutions subject to the supervision of SAMA

? Requirements - The requests of the beneficiaries should be submitted through “Kafalah” Program according to the current procedures.

? Terms and conditions for funding agencies:

o Provide an official exemption notice to the facility benefiting from the guarantee program, including exempting the facility from the program fees due

o Provide the facility with a statement showing the total fees paid for the sponsorship program on a monthly basis, which must include: 

? the names of the establishments benefiting from the enterprise support program; 

? the amount of the fee paid for program; 

? and a copy of the exemption notice provided to the facility starting at the end of March 2020

Human Resources Development Fund

The Human Resources Development Fund is providing SAR 5.3 billion worth of support to help private sector businesses employ and train Saudis citizens.

Funding covers the following areas:

• Employment support worth SAR 2 billion: Supporting 100,000 job seekers in the private sector, in addition to offering and activating remote working tools, as alternative options to regular working environments
• Training support worth SAR 800 million: Allocated to 100,000 beneficiaries to provide greater access to training and development opportunities
• SAR 1.5 billion going to support job seekers
• Private Sector Employees Support Path worth SAR 1 billion: To support private sector employees who were recruited from the beginning of July 1, 2019, who were not previously supported by the Fund's support and empowerment programs

Ministry of Human Resources and Social Development

The Ministry of Human Resources and Social Development announced seven initiatives applicable during the current period:

? Lifting the suspension of wage protection

? Lifting the suspensions due to non-payment of fines collected

? Stopping recruitment fines

? Lifting the temporary suspension of private sector facilities to correct the activity 

? Immediately calculate the employment of the Saudi citizen in the "Nitaqat" program for all establishments. 

? Continuity of service for the “SAFWA” (VIP) clients around the clock. 

? Enabling the secondment of personnel through the AJEER temporary employment program to reduce workload burdens on the affected sectors and assist companies operating in these sectors with expected high demandGeneral Authority of Zakat and Tax

The General Authority of Zakat and Tax (GAZT) has announced the following initiatives to benefit the private sector:

• Postponement of the acknowledgment and payment of VAT, selective goods tax, zakat, income tax and withholding tax, including exempting businesses from fines resulting from temporary non-payment
• Postponement of VAT and selective tax in customs for registered taxpayers
• Suspension of fines for late payment of premiums, amendment of tax returns for taxpayers, non-cooperation fines for taxpayers and examination fines

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?????? ??????? ?????? ?????? ?????? ????? ????? ?????? ?????? ?????? ?????? ??????????: www.gazt.gov.sa

????? ????? ?????? ??????? "????"

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• Support and Financing – The private sector will have finance
• ?????? ?????? – ??? ?????? ?????? ??? ????? ?????? ?????? ???? ???????? ??? ??????? ??????? ??????? ???????? ?? ????? ?????? ??????? ?? ???? ????? ??????? ?????? ?????? ????? ??????? ??????? ????? ????? ??????? ?? ?????? ?????.
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www.mim.gov.sa/claims