About program
Micro loan program was created in order to give support for economic empowerment and living standard's improvement of the business beginners, small entrepreneurs and unemployed, poor and marginalized groups of people.
It is sufficient that you have a valuable business idea in the field of production or crafts, services, trade and agriculture and animal husbandry and our Loan Officers will give you support and help in business planning.
Micro loans are especially adapted for entrepreneurs who do not have or have limited access to loans granted by commercial banks. Loans are for the purpose of buying fix assets or for working capital, either you start-up new business activity or you intend to develop existing activity. Loans are disbursed and repaid in dinars through our commercial bank.
Beside simple procedure we offer you to develop your businesses through repeated cycles and under more convenient conditions.
Based on donations we are able to offer to our loan clients vocational trainings free of charge. These are courses with theoretical and practical part in duration between 3 and 5 months. The main objective is to get concrete employment of our clients or enable them to spread the sphere of services that they are able to offer. After finishing vocational training course, clients get certificates, which may be the base for business registration. More info here.
In order to obtain a loan, you should:
- Call or visit one of our offices in your town! More info here. Talk to our Loan Officer!
- Fill in the loan application and collect the documents needed for loan approval, following instructions of our Loan Officers. They will help you in completing your application as with good business advice.
- Loan will be paid out to you at the outlet in charge within our commercial bank.
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Loan products
We may offer you the following loan products:
* Promissory note of a legal entity could be used
Micro-Classic
Target groups: start-up, i.e beginners in business, entrepreneurs who want to improve their businesses and whose businesses have been registered less than 3 months, employed persons who intend to perform some additional activity and farmers.
MDF continued to support vulnerable groups as Refugees, ex refugees and Internally Displaced People from Kosovo.
Loans are approved for the purpose of buying fix assets or for working capital.
Repayment is on monthly basis according to defined installment plan, implementing declining rate.
Micro-Entreprenuer
Target groups : entrepreneurs who have registered businesses longer than 3 months, as well as registered farmer's households.
Loans are approved for the purpose of buying fix assets, raw material or for working capital.
Repayment is on monthly basis according to defined installment plan, implementing declining rate.
Micro-Home
Target groups: Refugees, ex refugees and Internally Displaced People from Kosovo who have a need to improve their dwelling conditions by building or reconstructing houses or flats.
Loans are approved for:
- Construction materials purchase
- Costs of hiring qualified workers for adaptation
- Buying already existing property (a house or flat) in a need for reconstruction.
Repayment is on monthly basis according to defined installment plan, implementing declining rate.