Kosovo: Study on the risk of over-indebtedness

This study sought to understand whether there is a problem of (over-)indebtedness among microkosovocredit clients in Kosovo. Through analyzing credit bureau data and conducting surveys with financial institutions and clients, we were able to:

  • understand the debt levels and underlying borrowing patterns of clients
  • identify demand- and supply-side factors influencing over-indebtedness
  • recommend solutions to over-indebtedness.

This initiative was endorsed and supported by the Central Bank of Kosovo (CBK) and the Credit Registry of Kosovo (CRK).

Project dates

September 2010 – October 2011

Supported by

European Fund for Southeast Europe – Development Facility

Read the final report in English and Russian