Financial Services in Kosovo

Kep Trust

KEP Trust is the largest local micro-finance institution in Kosovo, which serves its clients with a wide range of financial products. Meeting clients' financial goals as well as building strong continual ties with them is the center of KEP Trust's aspiration. In this way it contributes directly in creating many jobs, thus giving a great effort in the development of the country's overall economy. Besides its Head Office located in Prishtina, Kosovo, KEP Trust has created a network of 31 modern branches all over the country, consequently bringing its services closer to the Kosovo citizens. KEP Trust's mission is to improve living standards and support the country's economic development by providing financial services to individuals, households and businesses. At the same time it looks forward in achieving its vision to provide a place of inclusive financial services. We offer various types of loans towards individuals and businesses such as: Agriculture Loans, Business Loans, Express Business and Home Improvement Loans, Consumer Loans, Home Improvement Loans and Super Express Loans!

201 to 500 staff

Onefor

OneFor, is a Pan-European FinTech company, with the big vision of changing how people communicate with each other through money. At OneFor we`re determined to transform remittances and individual transactions into moments of connection for customers, creating shared experiences, and increasing financial inclusion that bolsters economic development. As a Pan-European start-up, we have teams in the Netherlands, Germany, Switzerland, and several countries in Southeast Europe. Social Media imprint and privacy policy:

51 to 200 staff

Afam

AFAM SHPK was created by a team of colleagues who have long experience in working with biggest financial companies (see CV-s of our leading figures) and are guided by a vision to create a new functioning standard for local companies in the field of financial services. AFAM Group was created in November 2012 aiming to become biggest local company. The AFAM project intends to transfer financial field services to another level in terms of quality and reputation. AFAM Group was founded to help individuals and companies create and systemize their values and aims. We have managed to develop a network of successful people, dedicated to offering quality services in audition, taxes, financial consulting, and training.

11 to 50 staff

Buckaroo

Buckaroo is a leading payment service provider, headquartered in The Netherlands. Our technology optimizes your company’s cash flow by enabling in-store and online payments. Trusted by over corporate, medium and small business. For more info visit our website buckaroo.eu.

51 to 200 staff

Fondi Kosovar Per Garanci Kreditore Kosovo Credit Guarantee Fund

Fondi Kosovar për Garanci Kreditore është institucion i pavarur dhe i qëndrueshëm që lëshon garanci institucioneve të regjistruara financiare për të mbuluar rrezikun për kreditë e ndërmarrjeve mikro, të vogla dhe të mesme (NMVM-të). Është themeluar në janar të vitit 2016, bazuar ne Ligjin për Themelimin e Fondit Kosovar për Garanci Kreditore. Qëllimi i FKGK-së është të përkrahë sektorin privat në Kosovë, duke zgjeruar qasjen në financa për NMVM-të, duke mundësuar kështu edhe krijimin e vendeve të punës, rritjen e prodhimit vendor, përmirësimin e bilancit tregtar dhe avancimin e mundësive për sektorët ekonomik më pak të shërbyer. The Kosovo Credit Guarantee Fund (KCGF) is a local, independent, sustainable credit guarantee facility issuing portfolio loan guarantees to financial institutions to cover the risk for loans to micro, small, and medium enterprises (MSMEs). Established in January 2016 under the Law on the Establishment of the Kosovo Credit Guarantee Fund. The aim of the KCGF is to support the private sector in Kosovo by increased access to finance for MSMEs, thereby creating jobs, increasing local production, improving the trade balance and enhancing opportunities for underserved economic sectors.

1 to 10 staff

Paysera Kosova

Paysera është një institucion financiar fintech që ofron shërbime të shpejta, të përshtatshme dhe të përballueshme financiare në nivel global.

11 to 50 staff

Moneta Kosova - Moneygram Agent

MONETA LLC is a limited liability company headquartered in Prishtina that is specialized in financial services. MONETA LLCis licensed and supervised by the Central Bank of Kosovo (CBK) since December 2004. MONETA LLC. is authorized by MoneyGram International to offer money transfer services in Kosovo through its network of agents. From 2013, the company started to offer service payments as well. To further strengthen the company’s image, from the beginning of 2013 the company started using the new trade name MONETA. The new logo was used as well. This was done in order to help in positive brand perception of the company. In October 2013 MONETA LLC has entered into an agreement with the Banka për Biznes (BpB) for offering money transfers through all of the bank’s outlets. The company is built on effective policies and procedures and currently operates with a professional staff of about 30 employees. The company structure consists of a Board of Directors, Audit Committee, and Senior Management with all relevant departments: Administration, Human Resources, Legal, Operations, Internal Audit, Business Development, Finance and Marketing.

51 to 200 staff

Kosinvest

KosInvest si institucion mikrofinanciar, punon për të përmirësuar jetën e fëmijëve duke ofruar kredi të vogla dhe shërbime të tjera financiare për familjet që jetojnë në varfëri. Puna jonë fuqizon klientët tanë që të kenë biznese të suksesshme që mund t’u mundësojnë fëmijëve të rriten me edukim dhe shëndet të përmirësuar. Duke punuar në partneritet me World Vision, ne jemi të angazhuar për ndryshim afatgjatë, i cili do të zbërthejë potencialin për brezat e ardhshëm.

51 to 200 staff

Lesna Ifjb

Institucioni Financiar Jo Bankar Lesna sh.a. është licencuar nga Banka Qendrore e Republikës së Kosovës në vitin 2008 dhe vepron në pesë njësi: Prishtinë, Ferizaj, Pejë, Gjakovë, dhe Rahovec. Ne si institucion financiar ofrojmë shërbime të kredidhënies në tërë Republikën e Kosovës me qëllim të plotësimit të nevojave dhe kërkesave të klientëve me kushtet më të mira në treg. Në operacionet tona kreditore ne jemi të përqendruar në dhënien e këtyre kredive- Kredi Individuale (Kesh, Konsumuese, Edukim)- Kredi për Bujqësi dhe Blegtori - Kredi për Biznes - Kredi për Blerjen e Banesave dhe Lokaleve Afariste Jemi të bindur se dhënia e kredive për bujqësi dhe për biznese do të krijon numër më të madh të vendeve të reja të punës e që do të ketë ndikim në ekonominë e vendit.

51 to 200 staff

Recura

RECURA is a strategic advisory company, operating in Kosovo, Albania and Macedonia, providing advisory services to both donors and the private sector in Kosovo. Our core team in Kosovo currently has 25 full time staff and a large number of experts in various fields. RECURA has served a large number of private and public clients including some of the biggest Kosovo companies, various EU based companies with operations or interests in the region, while we also have large engagements with IFIs and donor organizations, successfully completing over 400 projects. With regards to areas of specialization of services provided by Recura, they include business planning, financial structuring, legal advisory, access to finance, corporate governance and similar services. The private sector experience covers all active sectors of the economy, including inter alia financial services, energy (renewable energy and energy efficiency), agribusiness, textile, health, wholesale, retail, telecommunications, metals processing, ICT, construction, electronics. RECURA is the largest consultancy in Kosovo providing specialized advisory services to the private sector. RECURA has successfully intermediated and solicited over EUR 250 million of investments in the private sector from development banks, investment funds and private investors. Please see the following link for a presentation of Recura references: https://prezi.com/view/xMVCfseHWbXGSqT9Q5Sr/

11 to 50 staff

Monego

Monego SHPK është institucion financiar jo-bankar i licencuar nga Banka Qendrore e Kosovës (BQK), që ofron kredi të shpejta konsumuese “Pagesa një-herëshe” dhe kredi me këste. Kreditë janë të dizajnuara për nevojat e përditshme financiare të klientëve tanë. Kompania jonë ka sjellë në Kosovë shërbime të reja dhe shume inovative, krejt kjo falë teknologjisë informative të avancuar që përdorim, duke u mundësuar klientëve financim super të shpejtë dhe vetëm me letërnjoftim, proces të plotë online të marrjes së kredisë dhe çasje të lehtë në shërbimet tona dixhitale përmes internetit (PC, Laptopi apo Telefoni juaj). Ekipi ynë përbëhet nga profesionistë financiarë, të teknologjisë dhe të shërbimit të klientit, të cilët janë ekspertë dhe kanë përvojë të rëndësishme në fushat e tyre. Monego ka mision të dixhitalizojë, thjeshtëzojë, si edhe të shpejtojë shërbimin dhe ofrimin e kredive për klientët në tregun vendor, më qëllim të rritjes së çasjes, përfshirjes dhe të rehatisë financiare. Avantazhet konkurruese të Monego: Proces tejet i shkurtë i aplikimit – brenda 15 minutave Vetëm letërnjoftimi/pasaporta – asnjë dokument apo dëshmi tjetër Proces i plotë ONLINE i kreditimit (aplikimi dhe marrja e kredisë) Çasje dhe menaxhim ONLINE e llogarisë nga ana e klientëve Kredi të hapura, me mundësi të lehtë vazhdimi sipas nevojës së klientit Përfshirje financiare edhe për klientët pa historiat perfekt në CRK (Regjistri i Kredive të Kosovës) Shërbim superior dhe konfidencial për klientë Mundësia për kredi kesh Relacion i afërt dhe vëmendje e personalizuar me secilin klient Për të ndihmuar realizimin e këtij qëllimi, ne do të jemi prezent me rrjetin tonë të degëve anembanë Kosovës, do t’ju mundësojmë klientëve tanë të na telefonojnë në numrin tonë pa pagese 0800 88, si edhe normalisht do të jemi 24h ONLINE.

51 to 200 staff

Virtus Lending

VIRTUS LENDING LLC ofron financim për blerjen e automjeteve të pëdorura përmes lizingut financiar për të gjitha markat dhe modelet pa ndonjë kufizim të vitit të prodhimit. Zhvillimi i suksesshëm i VIRTUS LENDING LLC mbështetet nga platforma shumë e sofistikuara e Teknologjisë Informative dhe aftësitë analitike të të dhënave të industrisë së veturave të përdoruara në tërë territorin e vendit dhe më gjërë në më duke ju shërbyer mijëra klientëve! Kontakti: 0800 77 038 406 646

11 to 50 staff

Mfi Kosinvest

Empowering Communities Through Financial Inclusion At KosInvest, we transcend the role of a mere microfinance institution. Our purpose is deeply ingrained in transforming lives and nurturing economic growth within the Republic of Kosovo. Our vision extends beyond mere statistics — it’s about creating meaningful change. We are unwavering in our commitment to support economically marginalized communities. Guided by principles of transparency, integrity, competence, and professionalism, every decision we make contributes to this noble cause. As a socially responsible institution, we recognize our duty to serve those often overlooked. Our focus extends to: • The Unbanked Population: Providing financial access where it’s needed most. • Empowering Women Economically: Enabling women to thrive. • Bridging Rural Gaps: Connecting remote areas to financial resources. • Low-Income Families: Offering pathways to financial stability. Join us in making a positive impact!

51 to 200 staff

Keef - Kosovo Energy Efficiency Fund

The Kosovo Energy Efficiency Fund, as an important independent, autonomous and sustainable entity has been established by Law No. 06/L-079 on Energy Efficiency, to achieve the objectives of the Republic of Kosovo in the Energy Efficiency by promoting, supporting and implementing Energy Efficiency measures, as well as attracting and managing financial resources in order to finance and implement investment projects in the area of Energy Efficiency in a sustainable manner.

11 to 50 staff

Kosovo National Audit Office

201 to 500 staff

Aca - Audit & Consulting Associates

ACA specializes in offering Audit and Assurance Services, Accounting, and Management Consulting Services in Kosovo. ACA has requisite knowledge, experience and skills to provide cost-efficient, accurate and timely Assurance, Advising and Financial Outsourcing Services. Such attention to the outputs of ACA has allowed us to build a significant client base that operates in Kosovo.

11 to 50 staff

Alpha Finances

Alpha Finances provides accounting and auditing services, human resources services, logistics services, tax management, and financial reports as well as consulting services.

1 to 10 staff

Capitalria

IFJB CAPITAL SH.P.K is the official partner of Ria Money Transfer for the Kosovo market. We received a licence to work from the Central Bank of Kosovo in 2012, and officially started with money transfers and payments services. We offer fast, secure and convenient money transfer services domestically or internationally to over 220 payment points in Kosovo as well we operate in North Macedonia and Montenegro. In order to provide good and quality service to our customers, we are constantly working on expanding our network of partner institutions as well improving our payment systems so we can increase the reach of our services and offer more options to customers.

51 to 200 staff

Maxi Group Kosovo

MaxiGroup International, is one of the leading companies in the market, which provides outsourced services to attract and support clients, specializing in marketing and developing advertising campaigns for foreign companies entering the CIS and European market. We increase the sales volume of our partners worldwide, thanks to an understanding of audience specifications and a well-established marketing and sales strategy.

11 to 50 staff

Swinto

Swinto is an innovative App offering multiple, seamless and state-of-the-art payment methods, instant money transfers, payments and other financial services to our customers in Switzerland, Western Europe, Kosova and soon other countries in the Western Balkans. We want to create an easy, simple, instant and trustful payment ecosystem and offer the best possible solutions to our clients for their daily use.

11 to 50 staff

Fintech Solutions L.L.C

Fintech Solutions with it's Key Experts provides you solutions for Finance and Technology. We provide lead your company toward establishing: Corporate Governance Providing you full professional set of policies and procedures Establishing of all necessary company functions Creating all points of control Technology: We provide you a customised software based on your need *Customer Relationship Manager *Accounting and Administration *Reporting FinTech *Establishing point to point system control and operations mapping.*Improve processes making them more efficient * Research and Development We provide you full feasibility of the respective projects Business set-up in all relevant institutions

1 to 10 staff

Vllesapagesa

Vllesa-CO” L.L.C. is the first Non-Bank Financial Institution in Kosovo founded in 2004. Licensed from the Central Bank of Kosovo to serve financial services such as payments and money transfer services. “Vllesa-CO” is a institution specialized in financial services, in more than 60 locations in Kosovo with a professional staff of above 90 employees offering a large variety of services-Payment Services-National & International Money Transfer services-Cellphone, TV & Internet payments-Etc.

51 to 200 staff

Vaiu Kosova

Vaiu Global operates a token processing service enabling secure, private and instant transfers of digital cash using a patent-pending innovation enabling global interoperability.

1 to 10 staff

Esd Group

We support you in determining, monitoring and disclosing financial and nonfinancial insights for your stakeholders.

11 to 50 staff