An initiative of the European Microfinance Network

European Microfinance Observatory

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COUNTRY PROFILE

Bulgaria

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: 2019 · Source: EMN dataset · Compare with other countries ·  Download profile (Excel)

Regulatory scenario Without microcredit regulation and without bank monopoly for lending
Dedicated law regulating microcredit Law on Credit Institutions: Article 3a on non-bank financial institutions; Transitional and Final Provisions no 12 on Credit Cooperatives
02 · SUPERVISORY FRAMEWORK

Supervisory framework for non-bank lending
Supervisory authority Bulgarian National Bank
03 · PRODUCTS

Products
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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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