From Sarajevo in 2024 and Dubrovnik in 2025 to Skopje in 2026 — MicroBalkans continues to connect the financial sector of the Western Balkans with international partners.
AMFI President Elma Zukić will moderate Panel 1, “Why We Matter — The Role of Non-Bank Lending in the Western Balkans,” joined by:
Milena Haneš – Mikrofin
Gabriele Giuglietti – Banca Etica
Visar Perani – IFC – International Finance Corporation
and a representative of Halkbank AD Skopje
PANEL 1 | WHY WE MATTER — The Role of Non-Bank Lending in the Western Balkans
The discussion will focus on financial inclusion, access to finance for SMEs, the complementary role of banks and non-bank financial institutions, and their contribution to the economic development of the Western Balkans.
See you in Skopje, 24–25 September 2026!



