Staff

Alban Kastrati, Senior Risk Manager
Mr. Kastrati is the Senior Risk Manager with more than 11 years of experience in the banking sector where he served in various capacities, the latest being the Business Credit Allocation Manager. He has also served as the Deputy Head of Commercial and Corporate Department, Credit Coordinator, Business Lending Analyst, etc. Mr. Kastrati is currently pursuing Master Studies in Business Administration at the University of Ljubljana – Slovenia. He holds a Bachelor’s Degree in Banking and Finance from the University of Prishtina - Pristina.

Contact Information
Email: alban.kastrati@fondikgk.org
Phone: +381 38 225 600 ext. 206

Arta Krasniqi, Senior Legal Advisor
Arta Krasniqi is the ECS Program Senior Legal Advisor and the Secretary to the KCGF Board of Directors. Ms. Krasniqi is responsible for taking the day to day legal responsibilities and advice to the management and the Board. Her work includes the review, analysis and drafting process of relevant policy documents and legislation, the revision and harmonization of the KCGF relevant legislation with other applicable laws in Kosovo. Ms. Krasniqi is a senior counsel with more than 10 years of professional experience in high profile international organizations in Kosovo such as EULEX, OSCE, UNMIK EU Pillar IV for Kosovo Economy Reconstruction and Development, the Privatization Agency of Kosovo and Kosovo Property Agency, including the Supreme Court of Kosovo. Ms. Krasniqi’s areas of expertise include: commercial law including banking and finance, corporate governance, property law, legislative drafting and an expert knowledge in civil litigation. Complementary to that, she possesses extensive knowledge in the international public and private law in the field of human rights and the rule of law. Ms. Krasniqi holds a Bachelor Degree in Law and a Master Degree in Financial Law.

Contact Information
Email: artak@usaid-ecs.org
Phone: +381 38 225 600 ext. 200

Besnik Berisha - Managing Director of Kosovo Credit Guarantee Fund
Besnik Berisha has 15 years working experience in banking sector in Kosovo and Albania. During his working experience in the bank he used to work in different managerial position, mainly focusing on developing banking business in the sector of SMEs. Recent posts include member of management board, responsible for business development in ProCredit Bank Kosovo and later on in ProCredit Bank Albania. Mr. Berisha is an expert on banking business and has good expertise about market of SMEs, challenges and opportunities that these business structures are facing in the market. Mr. Berisha has graduated from Economic Faculty of University of Prishtina, while he holds a Master’s Degree in Business Administration – Financial Management from the University of Lubljana. Additionally, in July 2011 he graduated from the ProCredit Academy in Fürth, Germany.

Contact Information
Email: besnik.berisha@fondikgk.org
Phone: +381 38 225 600 ext. 207

Nora Arifi, Senior Guarantee Manager
Ms. Arifi has over 14 years’ experience in the banking sector in Kosovo. She served mainly in managerial positions as the Head of Product Management, Head of Very Small and Agriculture Business Department, and Branch Manager. She was engaged in many fields, such as preparation of Business Strategy, Credit Risk Policy and Procedures, contributing to the establishment of her bank’s Environmental Unit, and other HR issues, such as staff recruitment and training. She also has been engaged as lecturer in the ProCredit Training Center, Regional Academy in Veles and ProCredit Holding in Frankfurt. Ms. Arifi is an economist by profession with a Degree in Management and Informatics and currently is pursuing her graduate studies in the field of General International Management at Globus College.

Contact Information
Email: nora.arifi@fondikgk.org
Phone: +381 38 225 600 ext. 206

Vjosa Kelmendi, Senior Finance Manager
Ms. Kelmendi has several years of experience in banking sector in Kosovo where she developed extensive experience in banking, finance and accounting. Her responsibilities include drafting financial accounting procedures related to KCGF formation and development. She holds a bachelor degree in Banking and Finance and a Master Degree in Finance and Accounting.

Contact Information
Email: vjosa.kelmendi@fondikgk.org 
Phone: +381 38 225 600 ext. 208