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<article article-type="research-article" dtd-version="1.3" xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xml:lang="en"><front><journal-meta><journal-id journal-id-type="publisher-id">ejebs</journal-id><journal-title-group><journal-title xml:lang="en">Eurasian Journal of Economic and Business Studies</journal-title><trans-title-group xml:lang="ru"><trans-title>Название журнала на русском</trans-title></trans-title-group></journal-title-group><issn pub-type="ppub">2789-8253</issn><issn pub-type="epub">2789-8261</issn><publisher><publisher-name>University of International Business named after K. Sagadiyev LLP</publisher-name></publisher></journal-meta><article-meta><article-id pub-id-type="doi">10.47703/ejebs.v69i3.549</article-id><article-id custom-type="elpub" pub-id-type="custom">ejebs-7</article-id><article-categories><subj-group subj-group-type="heading"><subject>Research Article</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="ru"><subject>Статьи</subject></subj-group></article-categories><title-group><article-title>Assessment of SME Loan Portfolio Quality in Kazakhstan: Empirical Analysis from 2013 to 2023</article-title><trans-title-group xml:lang="ru"><trans-title></trans-title></trans-title-group></title-group><contrib-group><contrib contrib-type="author" corresp="yes"><contrib-id contrib-id-type="orcid">https://orcid.org/0000-0002-4084-6735</contrib-id><name-alternatives><name name-style="western" xml:lang="en"><surname>Seisenbayeva</surname><given-names>Aizada</given-names></name></name-alternatives><bio xml:lang="en"><p>Doctoral student, Email: aizada2023s@proton.me</p></bio><email xlink:type="simple">aizada2023s@proton.me</email><xref ref-type="aff" rid="aff-1"/></contrib><contrib contrib-type="author" corresp="yes"><contrib-id contrib-id-type="orcid">https://orcid.org/0000-0001-7516-899X</contrib-id><name-alternatives><name name-style="western" xml:lang="en"><surname>Gumar</surname><given-names>Nazira</given-names></name></name-alternatives><bio xml:lang="en"><p>Cand. Sc. (Econ.), Associate Professor, Email: gumnaz@mail.ru</p></bio><email xlink:type="simple">gumnaz@mail.ru</email><xref ref-type="aff" rid="aff-2"/></contrib><contrib contrib-type="author" corresp="yes"><contrib-id contrib-id-type="orcid">https://orcid.org/0000-0003-4482-8531</contrib-id><name-alternatives><name name-style="western" xml:lang="en"><surname>Sherimova</surname><given-names>Nurzhanat</given-names></name></name-alternatives><bio xml:lang="en"><p>PhD, Professor, Email: asanek2010@mail.ru</p></bio><email xlink:type="simple">asanek2010@mail.ru</email><xref ref-type="aff" rid="aff-3"/></contrib><contrib contrib-type="author" corresp="yes"><contrib-id contrib-id-type="orcid">https://orcid.org/0009-0008-6842-7824</contrib-id><name-alternatives><name name-style="western" xml:lang="en"><surname>Pernebekkyzy</surname><given-names>Nurgul</given-names></name></name-alternatives><bio xml:lang="en"><p>PhD, Associate Professor, Email: tnurgul888@gmail.com</p></bio><email xlink:type="simple">tnurgul888@gmail.com</email><xref ref-type="aff" rid="aff-4"/></contrib><contrib contrib-type="author" corresp="yes"><contrib-id contrib-id-type="orcid">https://orcid.org/0000-0002-2918-6318</contrib-id><name-alternatives><name name-style="western" xml:lang="en"><surname>Dzhakisheva</surname><given-names>Urazgul</given-names></name></name-alternatives><bio xml:lang="en"><p>PhD, Associate Professor, Email: symbat_201176@mail.ru</p></bio><email xlink:type="simple">symbat_201176@mail.ru</email><xref ref-type="aff" rid="aff-5"/></contrib></contrib-group><aff-alternatives id="aff-1"><aff xml:lang="en">Caspian Public University, Almaty, Kazakhstan.<country>Kazakhstan</country></aff></aff-alternatives><aff-alternatives id="aff-2"><aff xml:lang="en">Almaty Technological University, Almaty, Kazakhstan.<country>Kazakhstan</country></aff></aff-alternatives><aff-alternatives id="aff-3"><aff xml:lang="en">Toraighyrov University, Pavlodar, Kazakhstan.<country>Kazakhstan</country></aff></aff-alternatives><aff-alternatives id="aff-4"><aff xml:lang="en">Caspian University of Technology and Engineering named after Sh. Yessenov, Aktau, Kazakhstan.<country>Kazakhstan</country></aff></aff-alternatives><aff-alternatives id="aff-5"><aff xml:lang="en">Abai Kazakh National Pedagogical University, Sorbonne-Kazakhstan Institute, Almaty, Kazakhstan.<country>Kazakhstan</country></aff></aff-alternatives><pub-date pub-type="collection"><year>2025</year></pub-date><pub-date pub-type="epub"><day>30</day><month>09</month><year>2025</year></pub-date><volume>69</volume><issue>3</issue><issue-title>Eurasian Journal of Economic and Business Studies</issue-title><elocation-id>66–80</elocation-id><permissions><copyright-statement>Copyright &amp;#x00A9; Seisenbayeva A., Gumar N., Sherimova N., Pernebekkyzy N., Dzhakisheva U., 2025</copyright-statement><copyright-year>2025</copyright-year><copyright-holder xml:lang="ru">Seisenbayeva A., Gumar N., Sherimova N., Pernebekkyzy N., Dzhakisheva U.</copyright-holder><copyright-holder xml:lang="en">Seisenbayeva A., Gumar N., Sherimova N., Pernebekkyzy N., Dzhakisheva U.</copyright-holder><license xml:lang="ru" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>Данная работа распространяется под лицензией Creative Commons Attribution 4.0.</license-p></license><license xml:lang="en" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>This work is licensed under a Creative Commons Attribution 4.0 License.</license-p></license></permissions><self-uri xlink:href="https://ejebs.uib.kz/jour/article/view/7">https://ejebs.uib.kz/jour/article/view/7</self-uri><abstract><p> </p></abstract><kwd-group xml:lang="en"><kwd>Economy</kwd><kwd>Economic Growth</kwd><kwd>Small Business</kwd><kwd>Medium-Sized Businesses</kwd><kwd>Business Lending</kwd><kwd>Overdue Debt</kwd><kwd>Financial Stability</kwd><kwd>Loan Portfolio</kwd></kwd-group></article-meta></front><back><ref-list><title>References</title><ref id="cit1"><label>1</label><citation-alternatives><mixed-citation xml:lang="ru">Abakirov, M.A., Abakirov, S., Avazov, E., Baialieva, E., Kazieva, M., Kurmankojoeva, R., &amp; Mamytova, E. 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