Confeserfidi is a mutual guarantee company. Its mission is to support SMEs, including startups, providing them guarantees on disbursed loans, at subsidised interest rates, by banks. Confeserfidi has agreements with the main Italian banks and, through agents, it covers the whole Italian state.

COOPFIN was set-up in the 90s following a public-private agreement between the cooperatives business organisations (partners of the company) and Sardinia Region, in Italy. In August 2016 COOPIN has been recognized by Bank of Italy as Microcredit Operator and in February, and in 2017 COOPFIN started receiving the first requests of microcredit loans.

FidiPersona's mission is to support people to start up a business, especially for people excluded from the banking sector because of the high credit risk. Beyond lending money, Fidipersona provides services such as mentoring and coaching; particularly a business development service before the lending of the microcredit.

Fondazione Mons. Vito De Grisantis seeks to achieve social solidarity by helping the unemployed and people in need by giving small loans.

The mission of 'Besa Fund' is to contribute to the Albanian economic growth and poverty reduction in the urban and semi urban areas by promoting micro and small enterprises.

Microfinanza Srl is a private and fully independent consulting firm specialized in the microfinance sector. The mission of the company is to provide expertise and innovative solutions for the development of microfinance.

MicroLab promotes the development of self-employment through projects and activities concerning financial literacy and trainings of young entrepreneurs, supports the creation and development of micro-enterprises and encourages the enhancement of micro-credit as an instrument of social and financial inclusion.

Mikro Kapital is a micro credit company contributing to positive outcomes such as social inclusion, gender balance and sustainable employment opportunities. It creates ethical finance opportunities for the excluded from the traditional financial system.

Background & mission

Certified with the European Commission's Code of Good Conduct for Microcredit Provision, NOA is the direct result of a donor-supported non-profit microfinance project aiding the most vulnerable areas and populations of Albania, particularly rural ones, with the objective to boost the transition towards a free and competitive market economy following the end of the communist regime. The project started in 1998 under the name of "Albanian Partner in Microcredit". It preserved its non-profit status until 2007 when it was officially licensed by the Central Bank of Albania as a Non-Bank Financial Institution.

With this new status, the project started to implement higher regulatory requirements increasing significantly its market coverage, its financial performance ratios and managerial standards. Due to these positive results, the initiative gained in independence by successfully overcoming its donors-backed project status. For the first time in Albania, a microfinance institution would be transferred to a fully owned foreign shareholder: NOA Holdings N.V. It is at this specific moment that NOA got his current nomination and ownership structure as an independent financial institution owned by private capital. Due to this legacy, NOA kept a constant focus into supporting socially-driven investment projects that were promoting job-creation, youth & women professional insertion, farmers' modernisation, environmental-friendly businesses, artisanal renewal, etc. that wouldn't be funded otherwise by the banking sector due to their lack of collateral and informal business status.

Innovation was also a key element serving as a solid ground for NOA's market expansion and institutional consolidation. NOA was the first Albanian MFI to introduce mobile tablet banking technologies with the objective to ease and accelerate the funding process for remote entrepreneurs and farmers. NOA has also introduced, in parallel to a performing call-center, new communication technologies allowing its beneficiaries to apply for online funding and benefiting a higher customer service quality.

PerMicro is a Turin-based Non-Banking Financial Intermediary specialized in microfinance products. PerMicro provides small loans to entrepreneurs or households, nationwide. It is designed for people who do not have an easy access to regular banks.

The Italian Microfinance Network (RITMI) is a non-profit organization founded in February 2008 that connects various institutions (up to now 24 members) that promote financial and social inclusion in Italy through financial services, supporting the creation of new entrepreneurship and employment, as well as the implementation of activities of Financial Education and commitment to local development.