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Our Impact to Date

Expanding Access to Finance for Underserved Businesses

As of December 31, 2025, Albanian Development Guarantee Foundation (ADGF) through its guarantee instrument, has supported more than 30,000 Agricultural and SME borrowers for a total of more than EUR 220 million, resulting in approximately 26,000 new jobs being created, in the Agricultural and SME sector.

Green Window Impact

  • 101 projects supported under the Green Window
  • EUR 5.3 million in loans guaranteed
  • 17,700 tons of CO₂ emissions avoided
  • 85,700 MWh of final energy conserved
  • Supporting energy efficiency and renewable investments

Start-up Window Impact

  • +350 Start-up businesses supported with loans;
  • EUR 8.5 million loans guaranteed
  • 70% guarantee coverage
  • ADGF enables critical financing for early-stage enterprises

ADGF Portfolio Distribution (By Economic Sector & Region) – Chart

Value of Disbursed Loans (%) by Sector
Value of Disbursed Loans (%) by Region

ADGF Development Impact: Jobs and Economic Multipliers as of Q4’25

0
K+
New Jobs Created
Estimated employment from ADGF-guaranteed financing
0
K+
Jobs Maintained
Estimated Positions preserved, safeguarding livelihoods

ADGF-financed enterprises create significant spillover benefits and economic multipliers. This includes increased orders for suppliers, local spending by employees, and enhanced community business activity.

Strengthening the Microfinance Sector

Enabling Commercial Borrowing

ADGF guarantees enable NBFIs to access commercial funding. This mobilizes new investment capital into underserved markets and reduces sector vulnerability.

Reducing Cost of Funds

ADGF guarantees decreased the average effective interest rate for NBFI commercial loans with approximately 2%. This allows MFIs to offer more competitive rates to borrowers.

Diversifying Financial Products

Risk mitigation through guarantees allows NBFIs to develop new financial products, expanding access in rural and underserved communities.

Gertjana Drita

Executive Director

Gertjana joined ADGF at the beginning of 2020 and currently holds the position of Executive Director at the foundation.
She has more than 15 years of experience in the banking system, covering management positions in Human Resources Management and Small & Medium Enterprises Business Department.
Gertjana has graduated in Finance & Accounting at University of Tirana and has participated in many international development trainings programs.

Laureta Domi

Chief Guarantee Officer

Laureta joined ADGF at the beginning of 2022 and currently holds the position of Chief Guarantee Officer at the foundation.
She is an experienced Finance and Banking Senior Manager with 19 years in team building, leadership, sales force effectiveness, customer experience and portfolio management.
Laureta has a Bachelor’s degree and Master of Science degree in Management from the Faculty of Economy, University of Tirana, as well as a Master Degree in Finance and Banking from the Institute Universitaire Kort Bosch, in Switzerland besides many certificated courses and trainings. She also lectures as a visiting professor in Aleksandër Moisiu University.

Ermir Çoba

Agro & RE Portfolio Manager

Ermir joined ADGF in May 2022 and is responsible for managing the Agro and Energy Efficiency/ Renewable Energy guarantee portfolio.
He has about 15 years of experience in the banking and microfinance system, holding several positions, related to credit financial analysis, risk reporting and risk assessment.
Ermir graduated in Accounting at the University of Tirana and also holds several national and international certifications in the field of accounting, risk management, financial analysis, agriculture lending, etc.

Aurela Tomini

Portfolio Manager

Aurela joined ADGF in November 2025 as a Portfolio Manager.
She is an experienced banking professional with two decades in the financial industry, having held diverse roles in sales, risk management, and product development.
Aurela graduated from the Agricultural University of Tirana, earning her Bachelor’s degree in Agri-Business in 2005. Throughout her career, she has also completed numerous professional trainings that have further strengthened her expertise in banking operations, credit processes, and financial analysis.

Besiana Lika

Chief Financial Officer & Risk Manager

Besiana joined ADGF in 2016 and is responsible for the financial management and the risk aspects of the foundation. Also, she serves as the Secretary to the Board of Directors.
She has a background in finance, accounting, risk and business analytics.
Besiana earned a Bachelor degree in Finance & Accounting in 2012 and a Master of Science in Finance in 2014, in the Faculty of Economy at the University of Tirana. Since her graduation, she is also working as a part time lecturer at the Faculty of Economy.

Stelina Shefqeti

Finance & Administration Officer

Stelina joined ADGF in 2021 and is responsible for the financial and administrative activities of the foundation.
Stelina earned a Bachelor’s degree in Finance in 2020 and a Master of Science in Finance in 2022 from the Faculty of Economy, University of Tirana. In addition, she has pursued several professional courses and trainings focused on accounting, financial analysis and financial modeling.