Agro Window
GUARANTEE TO CULTIVATE THE FUTURE!
The Agro Window is a KCGF guarantee scheme designed to support farmers, agribusinesses and micro, small and medium enterprises (MSMEs) operating in the agricultural sector. Established in 2018 with support from KfW, it aims to facilitate access to finance for a sector facing specific challenges, including higher risk and a lack of adequate collateral.From primary production to food processing, the sector's development requires continued investment in equipment, production capacity and working capital. Through its credit guarantee, KCGF shares part of the risk with Registered Financial Institutions, increasing their capacity to finance farmers and agribusinesses across the entire food value chain.The Agro Window therefore aims to improve access to finance for the agricultural sector, support the development of farmers and agribusinesses, promote domestic production and rural development, and contribute to job creation and reduced dependence on food imports.
WHO CAN BENEFIT?
The Agro Window is intended for farmers, agribusinesses and MSMEs operating in the agricultural sector that meet the eligibility criteria.
| Criterion | Requirement |
|---|---|
| Business status | Micro, small or medium enterprise, or farmer |
| Registration | MSME registered with the Kosovo Business Registration Agency (KBRA), or farmer holding a Farmer Certificate with a Farmer Identification Number (NIF) |
| Ownership | Privately owned |
| Number of employees | Less than 250 employees |
| Sector | Agriculture and related activities in the agricultural sector |
| Value chain | Activities from primary agriculture to agri-food processing |
GUARANTEE FEATURES
The Agro Window offers terms tailored to the sector's needs, enabling financing for working capital, fixed assets and capital investments.
| FEATURE | TERMS |
|---|---|
| Guarantee coverage | Up to 60% |
| Minimum loan amount | EUR 3,000 |
| Maximum loan amount | EUR 3,000,000 |
| Maximum guarantee amount | EUR 500,000 |
| Maximum loan maturity | 120 months |
| Loan purposes | Working capital, fixed assets and capital investments |
ADDED VALUE
The Agro Window creates value for both sides of financing: farmers and agribusinesses seeking capital for development, and financial institutions financing a sector with a specific risk profile.
| FOR MSMES AND FARMERS | FOR FINANCIAL INSTITUTIONS |
|---|---|
| Improved access to finance | Reduced credit risk |
| More favourable financing terms | Reduced cost of risk |
| Reduced collateral requirements | Faster loan processing |
| Support for working capital and investments | Opportunities to expand the loan portfolio |
| Financing across the agri-food value chain | Expanded financing for an important economic sector |
| Support for agribusiness development and sustainability | Potential to expand the portfolio and increase income from financial products |
The Agro Window connects farmers and agribusinesses financing needs with financial institutionscapacity to support the sector. By sharing risk with KCGF, it creates more opportunities for investment across the entire agri-food value chain.
HOW THE GUARANTEE SCHEME WORKS
KCGF has no direct contact with borrowers.Communication with the borrower takes place through the Registered Financial Institution.
Responsibilities and monitoring
KCGF operates on the premise that the RFI will conduct an appropriate credit risk assessment and verify the eligibility of the borrower and the loan.To monitor and oversee the performance of each participating RFI, KCGF has developed two monitoring mechanisms: