Our Impact to Date
Expanding Access to Finance for Underserved Businesses
As of Septmber 30, 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 200 million, resulting in approximately 25,000 new jobs being created, in the Agricultural and SME sector.
Green Window Impact
- 89 projects supported under the Green Window
- EUR 5.1 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
- +320 Start-up businesses supported with loans;
- EUR 7.7 million loans guaranteed
- 70% guarantee coverage
- ADGF enables critical financing for early-stage enterprises
ADGF Portfolio Distribution (By Economic Sector & Region) – Chart
By Sector: Volume of Disbursed Loans (Banks & NBFI)
By Region: Volume of Disbursed Loans (Banks & NBFI)
ADGF Development Impact: Jobs and Economic Multipliers as of Q3’25
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.