About ProCredit Holding

The ProCredit group is made up of development-oriented commercial banks operating in South Eastern and Eastern Europe and South America, as well as a bank in Germany. Based in Frankfurt, Germany, the parent company of the group, ProCredit Holding AG, is responsible for the strategic management, capital adequacy, reporting, risk management, and proper business organisation of the group and also acts as a superordinated company from a regulatory point of view. At consolidated level, the group is supervised by the German Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht or BaFin) and the Deutsche Bundesbank.


About the program

We specialize in providing tailored services for WMSMEs in Kosovo and North Macedonia. In Kosovo, we leverage a state collateral scheme to offer micro loans of up to EUR 50,000, aiming to overcome societal norms ( i.e. limited equity, due to unbalanced inheritance laws, limited access to networks or knowledge in their industries) that hinder WMSMEs’ access to finance. Similarly, in North Macedonia, our bank extends collateral schemes, provides flexible loan repayment terms, and offers customized accounts and overdraft facilities exclusively designed for WMSMEs. Additionally, our banks in Georgia and Albania are actively working to implement financial products that cater to their customers’ needs, further supporting female entrepreneurs and professionals.



In various countries where we operate, we have actively engaged in programs aimed at empowering women. These initiatives encompass a range of activities, including educational and mentoring programs. For instance, our involvement with Impaqto Academia has focused on supporting women entrepreneurs through educational initiatives in Ecuador. Additionally, we’ve been committed to assisting young professionals as they embark on their careers. One notable example is our collaboration with the Girls for Change program in Georgia, which celebrates aspiring female professionals and equips them with the necessary skills and confidence to thrive in their chosen fields. By addressing barriers and providing resources, we strive to foster gender equality and empower women across diverse contexts.





62% of female employees in total staff

54% of female middle managers

35% of female management board members

43% of female graduates at our Management Academy (career development programe)

21.000 hours dedicated to the trainings in 2023, related to human rights and gender diversity

more then 81.000 women supported through job creation by our MSME clients

5.267 loans or 20.5% of total loans disbursed in 2023 supported MSMEs with at least 50% of female ownership

67 percent
of the bank’s employees are female.


Follow ProCredit Holding