About KCGF

The Kosovo Credit Guarantee Fund (KCGF), is a local, independent, sustainable credit guarantee facility issuing portfolio loan guarantees to financial institutions to cover up to 50% of the risk for loans for micro, small, and medium enterprises (MSMEs).

KCGF plays a key role in facilitating MSMEs obtaining more financing for their growth. By reducing the risk of lending to MSMEs, it encourages KCGF partner financial institutions to lend to more MSMEs, to increase the amounts of lending to MSMEs, to expand products and services available to MSMEs and improve the terms and conditions for lending. KCGF helps financial institutions lend to viable MSMEs that might not have quite qualified without the guarantee to receive a loan, or, if it had a loan, would not have qualified to obtain the additional financing it needed to grow. The obstacles that KCGF helps overcome include the MSMEs not having adequate collateral or having a limited track record and credit history.

Financial institutions that may register with the KCGF and thus be eligible to participate in the guarantee program, include banks, non-bank financial institutions (NBFI), and micro-finance institutions (MFI).