This article describes the basic principles of micro-credit. The basic criteria for micro-credit programs in the Republic of Kazakhstan foreign market for microfinance are considered.

In given article the essence and necessity of management of credit risk is considered. Also the detailed classification and structure of credit risk is given.

Problems of ensuring food security in modern conditions of economic management are considered in the article. To ensure food security in the region the strategy of state interests protection is necessary such as social stability, food needs satisfaction, independence from import, own food products production development, creation of reserve stocks to stabilize food supply.

Today, management of credit portfolio is the key question of the commercial bank credit activity. In the paper the main problems of credit portfolio management of a commercial bank are presented and the description of the activities for their solution is given.

This article examines the mechanisms of financial support for students at Innovative University of Eurasia, the conditions of financial support for students and ways to solve them.

The Civil Code of the Republic of Kazakhstan provides for the liquidation of a legal entity as a possible consequence of invalidation of the state registration of the legal entity. In this article, the author reveals in detail the conditions and procedure for liquidating a legal entity, because it is strict adherence to the liquidation stages within the framework of the current legislation that ensures the stability of turnover, as well as a guarantee of protecting the interests of creditors of the legal entity being liquidated.

This paper analyzes the state support for the development of small and medium-sized businesses in the Uspensky district at the present stage. The volume of lending to small and medium-sized businesses in the region in the framework of state programs for the development of productive employment and mass entrepreneurship in rural areas is considered

Various methods and approaches in teaching foreign languages are gaining popularity in the modern world of globalization and integration. The integration of the education system caused by the acceleration of the process of mastering foreign languages and increasing its quality, in this regard, this article discusses the latest world teaching methods in order to implement them in the educational system of educational institutions. In particular, in the modern educational environment, the approach based on the idea of integrating subject and language learning in the process of professional training of future specialists (Content and Language Integrated Learning) is of particular importance, which contributes to the formation of professionally-oriented competence in a foreign language. In this regard, the article presents the methodology for activating the knowledge and skills of students in lectures, practical training and during independent work of students on the example of the discipline “Economics and entrepreneurship in industry” for students of non-linguistic directions of training in accordance with the methodology of content and language integrated learning (CLIL). The methods of applying the “Language input theory”, “Second language acquisition” theory, “Interaction theory” in lectures, practical training and during independent work of students in the discipline “Economics and entrepreneurship in industry” are also proposed. A practical algorithm of the course of the lesson (on the example of lectures) in accordance with the CLIL methodology according to the specifics of the discipline is presented. The methodology of evaluating students’ knowledge in accordance with the credit technology of training is presented. In the article, special attention is paid to the auxiliary role of the teacher in helping students master the materials of the discipline, which is reduced as the student acquires basic professional knowledge and skills. This emphasizes the auxiliary role of the teacher at the first stages of training (acquaintance, introduction, training, including independent analysis and evaluation of data while learning a foreign language), followed by independent training of students

Among many environmental conditions that affect a person, the most important factor is nutrition. Today, there is no doubt that there is a direct link between nutrition, health and disease. Proper nutrition ensures normal growth and development of a person, contributes to the prevention of diseases, has a positive impact on life expectancy and creates conditions for adaptation to the environment. A very actual topic for public catering in the Republic of Kazakhstan, namely for fast food companies, is the development of new recipes and culinary products from relatively inexpensive vegetable raw materials, as well as qualitatively new food products with a purposefully changed chemical composition. One of the main ways of solving problems of expanding the production of products for quick service, as well as products for dietary and therapeutic and preventive nutrition is the use of sprouted grains and beans. In this article, poly-grain mixtures of sprouted wheat and extruded soy beans in different ratios are studied and considered. Poly-grain mixtures developed by us are balanced in nutrients, vitamins and amino acids. The research was carried out on the basis of the accredited testing laboratory of RUBICOM enterprise LLP and the scientific laboratory of the Innovative Eurasian University. The purpose of this work is to study a promising method for increasing the nutritional value of grain mixtures by extruding them at different temperature conditions. To achieve this goal, the following tasks were planned: – to study the grain of soy beans and sprouted wheat on the organolepti c characteristics and chemical composition of the poly-grain mixture; – examine the chemical composition of the poly-grain mixture before extrusion; – choose the optimal mode of the extrusion process; – study and analyze the chemical composition of poly-grain extruded mixture; It should be noted that we have developed for the first time the optimal technological mode of extrusion of poly-grain mixture from sprouted wheat and soy beans, and the physical and chemical composition of the poly-grain mixture was studied. The results of the research presented in this paper are the basis for the development of recipes and technologies for fast food products. The reliability and validity of scientific statements is confirmed by the choice of modern methods of chemical composition analysis.

The article describes modern pedagogical technologies of teaching a foreign language in primary school and examines their impact on the development of various competencies of primary school students. The authors emphasize that information and communication pedagogical technologies help to implement a student-centered approach to learning, provide individualization and differentiation of learning, taking into account the abilities of younger students, their level of education. And also modern pedagogical technologies as a systemic holistic means of restructuring activities make it possible to improve the quality of the educational process, to solve the problems of personality development. Purpose – analysis of modern educational technologies used in English lessons. The current system of training primary school teachers requires a revision of its structure, organization, relationship with school practice and innovative processes in the education system. Therefore, the article proves that an important part of the educational process should be the use of new pedagogical technologies in improving the quality of training of specialists at the university, providing the possibility of self-development of the teacher's personality, increasing his creative abilities and improving the educational process. The study used a descriptive method, analysis and synthesis methods. The authors of the article call the development of the student's personality (moral and cognitive) and the complex of abilities for successful interaction with the polycultural and multilingual world around him as the goal of foreign language education in primary grades. Therefore, it is important that the future primary school teacher, in accordance with the requirements of the state educational standard, has formed the knowledge, skills and abilities necessary for the application of modern pedagogical technologies. At the present time, when a new education system was created, focused on the world educational space, changes in the educational process changed the paradigm of education, updated the content of education, formed a new approach, new relationships. Keywords: technologies, competencies, multicultural, multilingual, English, modern education.

The banking system is one of the most important components of the economy of any state, ensuring the functioning of the economy. The researchers study the functioning of individual banks and the banking system as a whole, because it is the banking system being an intermediary in the market system of relationships that allows financing of all spheres and branches of the national economy and the organization of their interaction. In modern conditions of aggravation of the economic crisis, pandemic, the role and importance of second-tier banks is changing. Banks, being one of the most dynamic and «flexible» spheres of economic activity, not only organize the functioning of economic entities, but also face a number of «newly created» problems that were not discussed until recently: cybercrime, data leakage, various modified fraudulent schemes and much more. An important distinguishing feature of the banking system is its dynamism, the ability to quickly respond to changes in the economy, the challenges of globalization. The domestic banking system copes quite well with the challenges of globalization, which is highlighted in this study. The purpose of the article is to consider the changes taking place in the banking system of Kazakhstan in modern conditions. When writing the article, methods of comparison, analysis, synthesis, aggregation, etc. were used. The result is the identification of the main problems related to the current state of the banking system, as well as their impact on the future configuration, improvement of the banking system, can be useful to bank employees dealing with the management of the banking system.

On the territory of the Northern industrial zone of Pavlodar in the area of the industrial wastewater reservoir «Bylkyldak» in some areas of the earth there is soil contamination with mercury, exceeding the MPC for mercury (2.1 mg/kg) by 500 times. The total mass of mercury dispersed in the surface layer of soils is 2.8 tons. The mass of contaminated soil is approximately 208,000 tons. Pollution of the territory is historical. The purpose of the article is to determine the efficiency of chemical binding (immobilization) of mercury in the soil with the Japanese drug Denite® in real field conditions of the territory of mercury contamination in the Northern industrial zone of Pavlodar using an experimental study; to determine the stability of insoluble mercury compounds formed by the preparation at extreme winter and summer temperatures and seasonal fluctuations in open ground. Soil samples were taken for the study at 11 points in the centers of mercury pollution. Laboratory studies were carried out in an accredited analytical laboratory of the Testing Center of JSC Caustic. Soil samples were treated with Denite®, the preparations obtained were stabilized, and water extracts were prepared. The content of mercury in soils, extracts from them, and plants was determined by the atomic absorption method on a RA-915+ spectrometer equipped with RP-91 and RP-91S attachments. As a result of research, the effectiveness of Denite® in the chemical binding of mercury in the soil has been proven and its optimal dosages have been determined. As a result of the positive tests of the technology of chemical immobilization of mercury, the prospect of a practical solution to the issue of demercurization of mercury-contaminated soil on the territory of the Northern industrial zone appeared.