Prof. Ass. Dr. Bajram Muçaj

Dear Shareholders, Clients and Partners,

The year 2023 was another challenging year both for Fondi Besa and the entire Albanian economy. This year continued to bear the consequences of the earthquake, the ongoing effects of the pandemic, but also the consequences of geopolitical conflicts, factors that brought about huge human and social costs, shook the geopolitical balances but also produced a new economic reality.


Nevertheless, the reality in 2023 was characterized by a decrease of inflation, marking an average value of 4.1% during the third trimester of the year, compared to respectively 6.5% and 4.6% in the first and second trimester of the year, decrease of unemployment rate in the third trimester 2023 (for the age group over 15 years old) estimated at the rate of 10.5%, an economic growth predicted at the rate of 3.7% at the end of 2023.


In this economic reality with its own improvement and hardships, Fondi Besa continued its lending activity in support of customers, providing them with requested values and has been focused in a sustainable way on the fulfillment of their needs moreover throughout this difficult several year period.


The financial support for our customers during 2023 was considerable. We offered over 7.97 billion ALL of new loans with a number of roughly 14,850 loans, which affected directly the increase of small businesses, by creating new jobs and increasing self-employment rate. This brought the loan portfolio to over 14.4 billion ALL and the number of active loans to nearly 27,000. These are indicators that customer’s trust in the quality of Fondi Besa services/products is increasing every year.

The economic uncertainty that has characterized the last few years has intensified our focus on customer support. During 2023, we have been persistent and consistent in our commitment to provide exceptional service to customers, innovative financial products and necessary financial expertise. During 2023, we committed to increasing our products dedicated to clientele, launching new products and services to help them manage this challenging period.


Throughout 2023, we have continued to pay attention to social responsibility of the institution, supporting various activities in the field of art, culture, sports, environment, marginalized categories and initiatives, which directly affect social development and welfare.

In view of social responsibility, we continue to provide Youth Loan, dedicated Loan for Women in business or for consumer purposes, Loan for Housing Investment, or Loan for Start-Up Businesses in order to engage in the economic activities of those potential customers, which have a better business idea and want to finance it, regardless of not having a credit history.


Likewise, during this year we have demonstrated our awareness towards the environment, preventing the financing of all those activities that bear a negative impact on the environment and by encouraging our customers to care and protect the environment in which we live. The Loan for Housing Investment consists in the improvement of housing conditions through energy efficiency systems. We have embraced the challenge to protect the environment for years, by modestly offering the green loan, within the framework of various projects and we are working to launch the specific product “Green Loan” on the market next year.

In addition to developing new products, improving existing ones, investing in strengthening excellent customer relations, we have made significant investments in information technology, professional development of staff, recruitment of employees with expertise, but also new talents, in order to ensure that we remain an important factor in the microfinance industry in Albania.

The results achieved by Fondi Besa during 2023 show once again the sustainability of our institution, the dedication and professionalism of all our employees, the resilience and excellent performance for achieving objectives and the strength of the medium and long-term strategy. We will continue to implement our long-term strategy to provide service and products to meet the needs of our market, we will continue efforts to build stronger relationships with customers in order to increase their commitment and loyalty by studying what are the customer needs and the development of a professional team.   

Finally, on my own behalf and on behalf of the management team of Fondi BESA, I would like to express my heartfelt thanks to all our employees for their work and dedication, to our customers and shareholders for their trust and support even in these difficult years, as well as to the Supervisory Council, for the continuous support it has given us. I would also like to thank and express my gratitude to all public institutions and the Bank of Albania, for the excellent cooperation during this year. 

Believing that 2024 will be a more promising year, Fondi BESA is optimistic that it will continue to achieve its objectives to further increase its activity, in line with new market developments, in support of its clientele by encouraging sustainable growth that will bring mutual benefits to all.



Prof. Ass. Dr. Bajram MUÇAJ
Executive Director


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