Mission and Values 

Mission and Vision

The Kosovo Credit Guarantee Fund is an independent legal entity with a development orientation, which supports the increase of access to finance for MSMEs, by providing credit guarantees to lending financial institutions.

With our guarantee windows we aim to create a favorable climate for investments, focusing on supporting the development of local entrepreneurship and the creation of new jobs.

We are committed to sustainable corporate management and social responsibility, cooperating with donors, financial institutions and local regulators to serve the long-term interests of the economy, business and society in general.

Our Values 

Our institutional values ​​shape our work culture and guide our daily practices, guiding us towards a high level of accountability, in accordance with the highest ethical and moral standards.

  • Transparency
  • Open communication and collaboration
  • Institutional independence and decision-making
  • Commitment and professional ethics
  • Continuous advancement of GUARANTEE WINDOWS
  • Social Responsibility and Inclusion

Transparency: KCGF, as an institution of public interest, considers transparency and disclosure of information regarding work practices, activities, as well as financial and operational results, to partners, stakeholders and the general public to be extremely important.

Open communication and cooperation: Both in relations between colleagues within the institution, as well as with our partners, is a carefully cultivated value, which guides us in fulfilling institutional objectives and their realization. We strive to openly convey the principles and objectives of our institution to external partners, by implementing these principles in daily relations between colleagues within the institution. Only in this way, through mutual sincerity and open communication, we believe that we can build lasting credibility and harmony between institutional and personal interests.

Institutional Independence and Decision-Making: As an independent and autonomous institution, established by a separate law, we strive to cultivate and maintain institutional independence, both in the strategic and operational decision-making process, and in accountability for the results and consequences that stem from it. The Board of Directors and staff of the KCGF believe that professional independence, accompanied by transparent accountability based on sound principles, is an essential prerequisite for building professionalism, credibility and institutional sustainability.

Continuous Advancement of Guarantee Windows: We encourage innovation and strive to continuously improve our services, proactively engaging to meet the diverse market demands and specific needs of private entrepreneurs.

Dedication and Professional Ethics: The KCGF staff and Board of Directors strongly believe in the role and positive impact that this institution has on economic development and the improvement of social welfare in our country. Therefore, dedicated and motivated, with high professionalism, they work with dedication to the realization of this mission, being the greatest guarantee for a sustainable and successful future for the KCGF. We are guided by the highest ethical and moral principles, acting with honesty, transparency, integrity and professionalism in our work. Through respecting these values, we maintain trust and strong relationships with partners and stakeholders, contributing to building a culture of reliability and accountability.

Social Responsibility and Inclusion: With guarantee windows, the KCGF is committed to contributing positively to society, following the principles of social responsibility and supporting private enterprises that, through their investments, take care not to harm the environment in which we live, while at the same time promoting inclusivity and providing equal opportunities for all, regardless of gender, beliefs or national and religious affiliation. The role of women in the economy, the development and empowerment of new businesses, and the support of farmers in rural areas are key sectors that we aim to strengthen through guarantee schemes specifically designed for these market segments. Also, supporting investments that increase energy efficiency and its production from clean and renewable sources is an area in which we want to contribute to a better future for new generations.

Today, at KCGF, we expect the same approach from our financial partners, demanding that investments supported through their lending not only do not harm the environment, but have a positive impact on its improvement.

OUR OBJECTIVES

The KCGF will work with banks, MFIs, NFBIs, donors, the Government of Kosovo, the Central Bank of Kosovo, and the MSME community to achieve the following objectives:

Contribute in unlocking and mobilizing excess liquidity at the banks to catalyze business growth and employment 

Increase lending to MSMEs in Kosovo from the local financial institutions

 

Create jobs, increase local production and value added services, improve the trade balance, broaden the tax base, strengthen the social safety net, and reduce poverty

 

Enhance opportunities for underserved economic sectors and populations including women, minorities, farmers, entrepreneurs, and youth

 

Building a stable and independent institution, taking care not to promote wrong incentives in the market