The principles that guide every guarantee we issue, every partnership we build, and every business we help reach its potential.
The Kosovo Credit Guarantee Fund (KCGF) is a public institution established to unlock access to finance for micro, small, and medium-sized enterprises. By sharing loan risk with financial institutions, KCGF enables lending to businesses that would otherwise be excluded.
Every MSME in Kosovo, regardless of size, sector, or background, should have access to the capital they need to grow and create jobs for their communities.
By guaranteeing a portion of each loan, KCGF absorbs the risk that prevents banks from lending to early-stage or underserved businesses across all sectors.
Every KCGF guarantee creates economic impact beyond the transaction — jobs, exports, community investment, and lasting enterprise growth across Kosovo.
We are committed to reaching every segment of Kosovo's economy — from rural agricultural businesses to urban start-ups — ensuring no business is left without access to capital.
Clear processes, published criteria, and open reporting are fundamental to how we work. Every stakeholder — from partner banks to SMEs — knows exactly where they stand.
As a government-backed institution, we answer to the businesses we serve, the partners we work with, and the citizens of Kosovo. Results matter and we measure them rigorously.
We design guarantees with long-term economic health in mind — supporting green economy transitions, climate resilience, and responsible business growth.
We achieve impact through strong alliances — with financial institutions, development partners, government, and the private sector. Collaboration multiplies every guarantee we issue.
Every decision we make is measured by its real-world effect on Kosovo businesses, jobs created, exports enabled, and communities strengthened. Impact is not a metric — it is our purpose.
Grow the number of supported MSMEs by 40% by 2028, with a special focus on underserved sectors — agriculture, women-led enterprises, and rural businesses.
Bring 6 new financial institutions into the KCGF network, expanding guaranteed lending into regions and communities currently underserved by formal banking.
Dedicate 25% of new guarantee issuance to climate-smart, sustainable, and green economy investments aligned with Kosovo's national development goals.
Check eligibility for your business in under 2 minutes, or contact our team directly to discuss your needs.