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Non-Banking Credit Institutions in Albania
Albanian Partner in Microcredit (PSHM)
Albanian Partner in Microcredit is an Albanian American Company for crediting albanian Bussinesses in development. Albanian Partner in Microcredit, ( PSHM) has begun its activity on August 1999 .
VISION:
The vision of this company is: to contribute in building a country when all the Albanians have the possibility to transform their lives as well as their community.
The PSHM' staff has 50 employees, divided in 10 officies all over Albania. They work day by day to make reality their vizion.
PURPOSE
The main purpose of their activity is to be partner with the clients and to support them in their bussines and wealfare of their fammilies.
PSHM offers loans for all the activities that generate incomes in urban zones as well as rural ones as follows:
Production
Service
Trade
Agriculture and livestock
The values that accompained our work are:
Rescpect
Integrity
Stewardship
Commitment
Profesionalism
We will present some general and specific data for services that we offer as follows:
Clients 3000
Loans issued 9000
Loans portofolio 6 milion $
Amounts given 5 milion$
the payment of loans 98.7%
Minimum loan 10 000 leke
Maximum loan 3 mln leke
INDIVIDUAL LOANS FOR BUSSINESS AND PROFFESIONAL ACTIVITIES
Initial loan size: 10 000 leks up to 150 000 leks
The loan payment period: 4 up to 10 mounths
Interest rate: 2.58% in a mounth for the remained principal
Aplication quote: 2 000 leks – 2 500 leks in the moment of issuing the loan
Monthly Payment
Collateral:
Mortgage
Mortgage of movable properties (bussines inventory, working tools, furniture etc)
Mortgage of immovable properties
Bank accounts
Acombination of the above types
INDIVIDUAL LOANS FOR SME (Small and Medium Enterprises)
The activities that are supported with loans include:
Fruit and Vegetable Processing and conservation
Production and processing of meet and milk
Bee Keeping
Horticulture
Other agriculture and livestock activities
Wood processing
Textile production
Olive Processing
Fish collection and processing
Scrap metals
Production of the construction materials
Etc.
Preliminary amount of loan: 5 000 USD - 25 000 USD or the equivalent amount in EURO or LEK
The loan payment period: up to 24 months
Interest rate: 1.3% -1.9% on the mounth over the remained principal
Aplication quote: 1%-2% of the amount of the loans in the moment of their issuance
Mounthly payments based on the bussiness seazons
Collateral: It's needed to have the minimum value of 150% of the total amount of the loan
• Mortgage of movable properties commbined with collateral
• Mortgage of immovable properties
• Bank Accounts
• acombination of the above types
Bussinesses that have no more than 1 year of experience should do the 5% of the planned investment with their money.
The specific conditions of the loan are determined from the amount, loan cycle, the nature of the bussiness as well as the type of the currency of the loan.
CREDIT FOR SOLIDARITY GROUPS IN LIVESTOCK
Preliminary amount of loan: 40% -60% of the price of the cow the maximum price 120 000 leks
The paymont loan period: 18 mounths
1 mounth “ periudhe faljeje” only over the principal
Interest rate: 1.7% in a mounth over the remained principal
Aplication qoute: 2% of the amount of the loan at the moment of issuing it. Monthly payments
Collateral for solidarity group; everybody is responsible for the credit of the group. If any member does not pay the others pay for him.
In the first mounth is paied only the interest
The group should have not less than 4 persons that correspond to different families. Memebers of the group before applying for a loan to buy a cow, should have another cow on their property.
INDIVIDUAL LOANS FOR BUSSINESS
the preliminary amount of the loan: 500 000 leks or 3 700 USD or EURO
the loan payment period: Up to 18 mounths for the loans in leks and 24 mounths for the loans in USD and EURO
Interest rate: 1.83% up to 2% in a mounth over the remained principal
Up to 3 mounths “ periudhe faljeje” only over the principal
Aplication quote: 1% -2% of the amount of the loan at the moment of issuing it
Mounthly payment based on the bussiness seazons
Collateral: It is needed with a minimum of 50% of the loan's amount
Mortgage
Mortgage of movable property (si inventari i biznesit, mjete te punes, pajisje dhe makineri, etj)
Mortgage of immovable properties
Bank accounts
Accombination of the above types
Specific conditions for the loan are determined from the amount and the cycle of the loan with the PSHM-ne as well as the nature of the bussiness and the currency in which the loan is issued.
The PSHM's officies and their adresses in other countries of Albania .
SHKODER
L. “Vasil Shanto”, Str. “13 Dhjetori”, Near the Trade Union
Tel: 022 40539 pshmsh@albmail.com
FUSHE-KRUJE
L. “Kastrioti”, in the center, second floor, over the post office
cel: 0692033164, 0692077243
Banking System in Albania 
