
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
Advija is a hair salon owner, and she is running family business together with her daughter who will fully inherit the business when Advija decides to retire. The hairdresser shop is located in the center of Sarajevo on a very frequent location. She has been in this business for more than ten years.
The salon is visited by mostly permanent customers. Many of them come to the salon from nearby settlements. Advija mostly provides classical haircuts, and her daughter modern haircuts, strands, painting, and hair extensions. Advija is Mikra family member over ten years now and she intends to stay with Mikra till she retires.

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