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European Microfinance Observatory

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COUNTRY PROFILE

Kosovo

by | May 19, 2026

A standardised profile of the microfinance ecosystem — regulation, actors, funding, and the latest news. Expand any section below.

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01 · REGULATION OF LENDING

Regulation of lending activity

Indicators last updated: 2023 · Source: EMN dataset · Compare with other countries ·  Download profile (Excel)

Regulatory scenario With microcredit regulation
Dedicated law regulating microcredit Law on banks, microfinance institutions and non-bank financial institutions (no. 04/L-093)
Dedicated law passed (year) 2008
02 · SUPERVISORY FRAMEWORK

Supervisory framework for non-bank lending
Supervisory authority Central Bank of Kosovo
Authorised non-bank lender — type 1 MFI commercial entities (joint-stock companies)
Type 1 — profit orientation For-profit
Type 1 — minimum capital EUR 250.000
Authorised non-bank lender — type 2 Licensed NGO MFIs
Type 2 — profit orientation Non-profit
Type 2 — minimum capital EUR 250.000
Authorised non-bank lender — type 3 NBFIs
Type 3 — profit orientation For-profit
Type 3 — minimum capital Dependent upon the particular activities (e.g. EUR 250.000 for microloans)
03 · PRODUCTS

Products
Generic microcredit — max. amount EUR 25.000
Generic microcredit — max. term Not defined in the law
Generic microcredit — interest cap Not defined in the law
Generic microcredit — purpose Not defined in the law
Generic microcredit — target clients Low-income households and individuals, Micro and small legal entities
Generic microcredit — mandatory non-financial support Not defined in the law
04 · INCENTIVES & SUPPORT

Incentives and support
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05 · DEVELOPMENT OF FRAMEWORK

Development of existing framework for non-bank microcredit provision
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06 · NEWS & INSIGHTS

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