
From an Idea in Bosnia and Herzegovina to a Shared Regional Initiative
“Finance alone is not enough. We need finance, knowledge and action.” With this message, Elma Zukić, President of AMFI BiH, shared at MicroBalkans 26 the journey
From Fragmented Inputs to Informed Decisions: Unlocking Value Through Data
How can structured data transform decision-making, risk management, and financial inclusion?
This session brings together experts from microfinance, fintech, and consulting to discuss how automation, digital wallets, and partnerships with payment service providers create new opportunities for analytics and transparency.
MICROBALKANS25 – Dubrovnik, November 5–7, 2025
Learn more: https://amfi.ba/
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“Finance alone is not enough. We need finance, knowledge and action.” With this message, Elma Zukić, President of AMFI BiH, shared at MicroBalkans 26 the journey

The future of microfinance goes beyond traditional lending — new opportunities are emerging for the sector to play a broader role in the development of

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We are pleased to share the article “Finance as a Bridge to Biodiversity Conservation”, authored by Elma Zukic, President of the Association of Microcredit Organizations