The lending process

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    1. Promotion of a loan offer

    Clients are informed about the services of KRK (Kreditimi Rural i Kosovës) through the promotion of Loan Officer, brochures and electronic media.

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    2. Application for the loan

    The client completes and signs the application form in which the personal data, the amount of the required loan, the term, the loan insurance and the credit history are met.

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    3. Loan Analysis

    The Loan Officer, after receiving the loan request, makes the loan analysis with the purpose of determining the payment capacity of the client. Likewise, the Loan Officer prints out from the CRK (Kosovo Credit Registry, CBK software) the credit history of the client. The loan analysis is then passed to the credit committee for analysis and decision on the request.

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    4. Decision-making

    The credit committee based on the loan analysis and the collected data takes a decision on the approval / rejection of the loan.

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    5. Loan distribution

    The loan distribution is made after approval by the credit committee and the fulfillment of the conditions foreseen in the procedures of the KRK including the requirements specified in the decision of the credit committee.

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    6. Loan repayment

    The loan repayment is based on the loan repayment scheme which is attached to the loan agreement. The repayment/ payment of the installment shall be done at the offices of the branches of KRK, or on the bank account of the KRK at the respective bank.

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    7. Loan monitoring

    KRK monitors borrowers to verify whether the client's financing concerns is in compliance with the terms of his or her loan.


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    Number of clients served

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    Number of active clients

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    Active portfolio

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    Number of branches