
MICROBALKANS25 – Closing Remarks
A dynamic wrap-up session highlighting key insights from the panels and roundtables, spotlighting collective commitments, and outlining next steps. It featured reflections from Alliance members
Client Ljubiša Lakić lives in a village of Kosijerevo, Laktaši municipality. He lives in his own household with a wife, daughter, son-in-law and grandson. The whole family is involved in agricultural production, being known as hardworking and honest hosts.
Ljubiša came to Mikrofin for the first time in 2002 with request for a loan that was approved than.
When he started his farming business, he had 10 pigs, while his livestock fund grew to 150 pigs nowadays. He built a large pigsty, dimensions 25 x 19 meters. He has a part of the sty for bull fattening which is another thing this client plan to do in future.
Thanks to a good cooperation with MKD Mikrofin, client achieved a lot in his life, he improved his agricultural production, increased livestock number, built new objects, and purchased new machines and land.

A dynamic wrap-up session highlighting key insights from the panels and roundtables, spotlighting collective commitments, and outlining next steps. It featured reflections from Alliance members

AI is driving efficiency and innovation in finance, but it also brings complex challenges in regulation, ethics, and data protection. This panel examined how legal


This high-level panel brought together partners from across Europe who regularly contribute to the Western Balkans region to discuss the enabling environment for social finance.

This session explored the critical role of microfinance institutions (MFIs) in accelerating the green transition in the Western Balkans, with a specific focus on housing

The third day of MICROBALKANS25 opened with a powerful reminder of the importance of financial literacy and responsible borrowing. Pavol Kapsdorfer from the Microfinance Centre