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ADGF Signs New Guarantee Agreement with Credins Bank under the EU Western Balkans Guarantee Programme

14 May 2026

The Albanian Development Guarantee Foundation (ADGF) and Credins Bank have signed a new guarantee agreement within the framework of the “EU Western Balkans Guarantee” Programme, further strengthening their collaboration in support of Albanian businesses and sustainable economic development.

The agreement was signed by Mr. Maltin Korkuti, CEO of Credins Bank, and Ms. Gertjana Drita, Executive Director of ADGF, reaffirming the commitment of both institutions to improve access to finance for micro, small, and medium-sized enterprises (MSMEs) across Albania.

Credins Bank holds a special place in ADGF’s institutional history, as it was the first bank with which ADGF started its cooperation in 2016. Over the past ten years, this partnership has supported the use of guarantee instruments as an effective mechanism to facilitate lending to MSMEs, particularly those facing collateral constraints or limited access to traditional financing.

The signing of this new agreement marks a further strengthening of this long-standing cooperation and reflects the shared commitment of ADGF and Credins Bank to continue supporting Albanian businesses through sustainable financing mechanisms.

As an initiative supported by the European Union, the EU Western Balkans Guarantee Programme is designed to facilitate financing opportunities for businesses that often face difficulties in securing adequate collateral or accessing traditional lending instruments. Through this guarantee mechanism, the programme aims to enable greater lending capacity, encourage new investments, and create more opportunities for long-term and sustainable economic growth in the country.

The partnership between ADGF and Credins Bank represents an important step toward strengthening the financial ecosystem for Albanian enterprises, while also contributing to job creation and the further alignment of Albania’s economy with European standards and development priorities.

This agreement forms part of ADGF’s broader engagement with the banking sector under the EU Western Balkans Guarantee Programme, continuing its mission to support a more resilient, competitive, and inclusive business environment in Albania.

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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.