Macedonia—SME Finance Framework—Investbanka

Client: European Bank for Reconstruction and Development

Duration: 2006-2008

Region: Eastern Europe and Central Asia

Country: Macedonia

Solutions: Economic Growth

DAI was contracted by the European Bank for Reconstruction and Development to help Investbanka substantially increase its small and medium-sized enterprise (SME) lending activities.

Sample Activities

  • Develop adequate risk assessment and monitoring procedures.
  • Streamline and simplify loan applications and approval processes.
  • Provide strategic advice to banks on credit functions.
  • Monitor loan portfolio performance and report to client.
  • Design and implement a new IT system.
  • Provide training to bank staff on credit analysis.
  • Design and implement a marketing plan.

Select Results

  • Designed an appropriate SME lending methodology and programme to roll out at the head office in Skopje and at least five branches outside Skopje.
  • Assisted with staff training on SME credit assessment and portfolio monitoring, as well as with the development of appropriate software solutions.
  • Established a credit risk management team to monitor the credit portfolio (especially exposure by client) and reviewed the financial analyses performed by loan officers.


Afghanistan—Agricultural Credit Enhancement Program I & II (ACE)

For more than 25 years, Afghan farmers did not have access to agricultural credit, seriously constraining the growth of farming. DAI managed a $100 million U.S. Agency for International Development (USAID) grant to the Ministry of Agriculture, Irrigation and Livestock to provide credit to farmers, who repay their loans after their harvests.

Read More