About KCGF

Mission
& Values.

Misioni ynë është të rrisim aksesin në financa për bizneset e vogla dhe të mesme të Kosovës duke ofruar garanci kreditore.

Our Mission

Reducing risk.
Unlocking capital.

KCGF is Kosovo's government-backed credit guarantee institution. Our purpose is singular: to bridge the financing gap that prevents Kosovo's most promising businesses from accessing the capital they deserve.

"Misioni i FKGK-së është të garantojë kredi për ndërmarrjet mikro, të vogla dhe të mesme në Kosovë."

Official Mission Statement — KCGF/FKGK, 2016

Purpose

We exist to ensure that no viable Kosovo business goes unfunded simply because it lacks sufficient collateral or credit history.

Approach

By guaranteeing up to 80% of a loan, KCGF absorbs the risk that prevents banks from lending to early-stage enterprises.

Impact

Every KCGF guarantee creates ripple effects — jobs created, exports grown, communities strengthened.

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Total Loans Backed
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€M Guarantees Issued
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Partner Institutions
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Years of Operation
Our Foundation

Institutional Values.

01
Integrity
We operate with full transparency and accountability. Every decision reflects the trust placed in us by Kosovo's public and businesses.
02
Inclusivity
We design guarantee programs that reach every segment — from rural agricultural businesses to diaspora-backed urban startups.
03
Impact-Driven
We measure success not by volume but by genuine economic impact — jobs created, enterprises grown, communities strengthened.
04
Partnership
We work as co-partners with financial institutions. Our success is inseparable from the success of Kosovo's banking sector.
05
Innovation
We continuously refine our guarantee products — from green economy solutions to diaspora investment instruments.
06
Institutional Excellence
As a public institution, we hold ourselves to the highest standards of governance, performance, and fiduciary responsibility.
Strategy

Strategic Objectives.

01
Expand Financial Inclusion

Increase the share of Kosovo MSMEs with access to formal bank credit from 35% to 55% by 2028.

02
Deepen Partner Network

Expand from 8 to 14+ financial institution partners, with emphasis on microfinance institutions.

03
Green Economy

Dedicate 25% of annual guarantee portfolio to green economy investments aligned with EU climate frameworks.

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