Skip to main content

GAFSP Helps Boost Access to Finance for Small Businesses and Farmers in Kosovo


In Kosovo, access to finance for farmers and small and micro enterprises in the country’s agricultural sector is limited as financial institutions increasingly move out of the small and micro loan segment. Fifteen of the country’s seventeen microfinance institutions (MFIs) operate under NGO status and are not permitted to convert into companies. This inhibits growth as MFIs are not sufficiently capitalized, with low appetite from lenders to fund NGOs.


KEP Trust (KEP) is Kosovo’s largest MFI, with a market share of 25 percent by loan portfolio. KEP focuses on small entrepreneurs and farmers, who often face challenges when trying to secure funds from commercial banks. 

IFC and GAFSP will provide a blended finance package of €2 million to KEP Trust to increase to increase lending to smaller businesses and farmers in Kosovo, fostering growth and job creation. The investment comprises a €1.4 million loan from IFC’s own account and a €0.6 million loan from IFC, as the implementing entity for the Private Sector Window of the Global Agriculture and Food Security Program (GAFSP).





Focus area

  • Access to Finance
  • Fragility

Supervising entity

  • IFC


The joint IFC/GAFSP investment in KEP Trust will enhance the ability of MFIs to increase access to finance for farmers and micro agri-processing companies across Kosovo, resulting in improved livelihoods and food security.


Mr. Niraj Shah
Head, GAFSP Private Sector Window
Washington, DC 
Tel: 202 473 3743

Photo: © World Bank

Related Projects

Work with Us

GAFSP’s inclusive and transparent governance is what makes us unique.

Our donors, recipients, civil society organizations, and implementing partners work together to improve the lives of smallholder farmers and their families. Thanks to the meaningful engagement of all our stakeholders, we have the right expertise and resources to direct funds where they will make the greatest impact.

Explore different funding options and how to partner with GAFSP.

Learn More