{"id":10880,"date":"2024-12-23T08:56:16","date_gmt":"2024-12-23T08:56:16","guid":{"rendered":"https:\/\/bqk-kos.org\/edu\/products\/"},"modified":"2025-09-10T13:00:42","modified_gmt":"2025-09-10T13:00:42","slug":"products","status":"publish","type":"page","link":"https:\/\/bqk-kos.org\/edu\/products\/?lang=en","title":{"rendered":"Products"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10880\" class=\"elementor elementor-10880 elementor-8534\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dab6e62 shared-top-layout  elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"dab6e62\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e574413 e-con-full printable-area-overwrite e-flex e-con e-parent\" data-id=\"e574413\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-090a3f5 elementor-widget elementor-widget-split-section\" data-id=\"090a3f5\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"obj\" data-widget_type=\"split-section.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t  \r\n        <div class=\"shared-row-container d-flex-reverse\">\r\n                            <div class=\"img\">\r\n                    <img decoding=\"async\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/11\/Ajshe-UBT-1024x768-1.jpg\" alt=\"\">\r\n                <\/div>\r\n                        <div class=\"text\">\r\n                <div>\r\n                                            <h1 class=\"widget-header\">Financial Education: Get informed and make the right financial decisions<\/h1>\r\n                                        \t\t\t\t\t\t<div class=\"widget-header-click\">\r\n\t\t\t\t\t\t\t<div class=\"widget-header-click\"><div><div class=\"widget-header-click\"><p>The CBK's Financial Education Program aims to increase the public's financial literacy and skills, helping them make informed decisions on financial products and services, savings and investments. Through this portal, we contribute to the financial well-being of citizens and to the maintenance of a stable financial system in the country.<\/p><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t                <\/div>\r\n                <div class=\"split-section-link shared-arrow-link\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Read more\" href=\"https:\/\/bqk-kos.org\/edu\/rreth-nesh\/\" class=\"widget-button\" style=\"color: #FFFFFF;\">More about us<\/a>\r\n\t\t\t\t\t\t    <svg class=\"split-section-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"6.4\" height=\"11.4\" viewBox=\"0 0 6.4 11.4\" style=\"fill: #FFFFFF;\">\r\n\t\t\t\t\t\t\t<path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#FFFFFF\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\t\t\r\n            <\/div>\r\n        <\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d840fbe e-con-full printable-area-overwrite e-flex e-con e-parent\" data-id=\"d840fbe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90bd237 elementor-widget elementor-widget-products\" data-id=\"90bd237\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"products.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"ef-products\">\r\n\t\t\t<div class=\"products-dropdown-wrapper\">\r\n\t\t\t\t<button aria-label=\"Toggle\" class=\"products-dropdown-toggle\">\r\n\t\t\t\t\t<h2 class=\"toggle-title\">CBK<\/h2>\r\n\t\t\t\t\t<h3 class=\"toggle-subtitle\">entral Bank of the Republic of Kosovo<\/h3>\r\n\t\t\t\t\t<svg class=\"products-dropdown-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"><\/path>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/button>\r\n\r\n\t\t\t\t<ul class=\"products-dropdown\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"product-dropdown-item\" data-tab=\"product-1\">\r\n\t\t\t\t\t\t\t<h3>CBK<\/h3>\r\n\t\t\t\t\t\t\t<h2>entral Bank of the Republic of Kosovo<\/h2>\r\n\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"product-dropdown-item\" data-tab=\"product-2\">\r\n\t\t\t\t\t\t\t<h3>Banks<\/h3>\r\n\t\t\t\t\t\t\t<h2>Banks operating in Kosovo<\/h2>\r\n\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"product-dropdown-item\" data-tab=\"product-3\">\r\n\t\t\t\t\t\t\t<h3>The currency in circulation<\/h3>\r\n\t\t\t\t\t\t\t<h2>The currency in circulation in Kosovo<\/h2>\r\n\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"product-dropdown-item\" data-tab=\"product-4\">\r\n\t\t\t\t\t\t\t<h3>Credits registration<\/h3>\r\n\t\t\t\t\t\t\t<h2>Credits registration in CBK<\/h2>\r\n\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"product-dropdown-item\" data-tab=\"product-5\">\r\n\t\t\t\t\t\t\t<h3>Insurance<\/h3>\r\n\t\t\t\t\t\t\t<h2>General terms and conditions of the insurance policy<\/h2>\r\n\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"product-dropdown-item\" data-tab=\"product-6\">\r\n\t\t\t\t\t\t\t<h3>Pension<\/h3>\r\n\t\t\t\t\t\t\t<h2>Pension System in the Republic of Kosovo<\/h2>\r\n\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"products-box-wrapper\">\r\n\t\t\t\t\r\n\t\t\t\t<!-- Product Boxes as Tab Headers -->\r\n\t\t\t\t\t\t\t\t\t<button aria-label=\"Tabs\" class=\"product-box\" data-tab=\"product-1\">\r\n\t\t\t\t\t\t<h3>CBK<\/h3>\r\n\t\t\t\t\t\t<h2>entral Bank of the Republic of Kosovo<\/h2>\r\n\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t<button aria-label=\"Tabs\" class=\"product-box\" data-tab=\"product-2\">\r\n\t\t\t\t\t\t<h3>Banks<\/h3>\r\n\t\t\t\t\t\t<h2>Banks operating in Kosovo<\/h2>\r\n\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t<button aria-label=\"Tabs\" class=\"product-box\" data-tab=\"product-3\">\r\n\t\t\t\t\t\t<h3>The currency in circulation<\/h3>\r\n\t\t\t\t\t\t<h2>The currency in circulation in Kosovo<\/h2>\r\n\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t<button aria-label=\"Tabs\" class=\"product-box\" data-tab=\"product-4\">\r\n\t\t\t\t\t\t<h3>Credits registration<\/h3>\r\n\t\t\t\t\t\t<h2>Credits registration in CBK<\/h2>\r\n\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t<button aria-label=\"Tabs\" class=\"product-box\" data-tab=\"product-5\">\r\n\t\t\t\t\t\t<h3>Insurance<\/h3>\r\n\t\t\t\t\t\t<h2>General terms and conditions of the insurance policy<\/h2>\r\n\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t<button aria-label=\"Tabs\" class=\"product-box\" data-tab=\"product-6\">\r\n\t\t\t\t\t\t<h3>Pension<\/h3>\r\n\t\t\t\t\t\t<h2>Pension System in the Republic of Kosovo<\/h2>\r\n\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\r\n\t\t\t<!-- Tab Content for Each Product -->\r\n\t\t\t\t\t\t\t<div class=\"products-box-content\" id=\"product-1\" style=\"display: none;\">\r\n\t\t\t\t\t<div class=\"products-subtab-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-1-0\">\r\n\t\t\t\t\t\t\t\t\tWhat is a Central Bank?\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-1-1\">\r\n\t\t\t\t\t\t\t\t\tWhat is the CBK\u2019s legal and operational status?\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-1-2\">\r\n\t\t\t\t\t\t\t\t\tThe CBK main functions\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"products-content\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-1-0\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>The Central Bank of Kosovo is the country\u2019s central bank. What does being a central bank mean? Most independent countries have their own central bank. The main characteristics of a central bank is that they are the banker to the government and to the commercial banks, they manage the country\u2019s supply of currency, they implement monetary policy and they play a major role in the country\u2019s payments system.<\/p><p>Some central banks, including the Central Bank of Kosovo, also carry out other important functions such as financial market supervision and the management of the country\u2019s foreign exchange reserves. But not all central banks have these roles.<\/p><p>For more see attachment below:<\/p><p>\u00a0<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-1-1\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>The current Central Bank Law was approved in 2010. The Law establishes the CBK as a separate legal entity. The CBK also has operational and administrative independence. It is not a part of the Kosovo Civil Service even though it is fully owned by the Government of Kosovo. The members of its decision-making bodies, the Governing Board of the CBK and the Executive Board, should not receive or seek any instruction from the government or anybody else in carrying out their responsibilities.<\/p><p><b><strong>Mission of the CBK<\/strong><\/b>:\u00a0\u00a0the CBK\u2019s Mission set out in its Strategic Plan is:<\/p><p>-\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0To safeguard financial and monetary stability in Kosovo;<\/p><p>-\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0To provide effective payments systems and the supply of cash;<\/p><p>-\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0To provide economic advice to the Government and other public entities; and<\/p><p>-\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0To contribute to the long-term sustainable development of Kosovo through financial market development.<\/p><p><b><strong>Strategic Vision of the CBK<\/strong><\/b>: the strategic visions of the CBK are to make a distinctive and valuable contribution to the sustainability and development of the financial sector in Kosovo, to be among the most efficient and effective central banks in the region and to contribute to the processes for Kosovo to become a fully-fledged member of the EU and other international organizations. Operationally, the CBK strives for the highest level of excellence, competence, integrity, efficiency and transparency in all its operations and activities.<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-1-2\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p><b><strong>Functions of the CBK<\/strong><\/b>:\u00a0\u00a0as is often the case in relatively small countries, the CBK has a wide range of functions.\u00a0The main ones are:<\/p><p>-\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<em>To foster and maintain a stable financial system;<\/em><\/p><p>-\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0To act as banker to the commercial banks, the Ministry of Finance and the Economy and other public sector and international agencies;<\/p><p>-\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0To implement monetary policy in Kosovo, primarily through influencing the amount of credit created;<\/p><p>-\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0To ensure an adequate supply and quality of bank notes and coins in Kosovo;<\/p><p>-\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0To regulate and operate non-cash payments systems;<\/p><p>-\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0To license, supervise and regulate a wide range of financial institutions;<\/p><p>-\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0To manage the country\u2019s foreign exchange reserves;<\/p><p>-\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0To act as fiscal agent to the Government;<\/p><p>-\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0To prepare and publish statistics and to conduct and publish economic analysis of the Kosovo economy.<\/p><p>This article will briefly describe and explain all of these functions except for the function<em>s<\/em>\u00a0of financial market supervision and financial stability. These important functions will be covered in a separate article.<\/p><p><b><strong>The CBK as banker<\/strong><\/b>: the Central Bank of Kosovo does operate as a bank but it does not open bank accounts for citizens and companies so it is not like a commercial bank. The CBK\u2019s banking customers are the commercial banks and other financial institutions operating in Kosovo, the Government of Kosovo and other Kosovo public sector agencies and foreign financial institutions and governments.\u00a0\u00a0The total deposits held at the CBK by these customers is currently around 285,856,980.70 million Euro.<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"products-box-content\" id=\"product-2\" style=\"display: none;\">\r\n\t\t\t\t\t<div class=\"products-subtab-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-0\">\r\n\t\t\t\t\t\t\t\t\tBanks operating in Kosovo\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-1\">\r\n\t\t\t\t\t\t\t\t\tWhat is an Effective Interest Rate?\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-2\">\r\n\t\t\t\t\t\t\t\t\tBeing a Guarantor: What does it mean?\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-3\">\r\n\t\t\t\t\t\t\t\t\tLoan\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-4\">\r\n\t\t\t\t\t\t\t\t\tBank Cards\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-5\">\r\n\t\t\t\t\t\t\t\t\tFinancial services and products\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-6\">\r\n\t\t\t\t\t\t\t\t\tInternational money transfers basic concepts\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-7\">\r\n\t\t\t\t\t\t\t\t\tKosovo Credit Guarantee Fund\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-8\">\r\n\t\t\t\t\t\t\t\t\tDeposit Insurance Fund of Kosovo\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"products-content\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-0\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>The Financial System is the most important sector in a country's economy. Banks are considered to be the main financial institutions operating in the financial system, mainly due to the wide range of products and services they offer.<\/p><p>There are 11 commercial banks operating in Kosovo.<\/p><p>The Full List of Banks and contact addresses can be found here:\u00a0<a href=\"https:\/\/env2.bqk-kos.org\/wp-content\/uploads\/2020\/12\/ENG-Lista-e-institucioneve-financiare_nentor2020-1.pdf\">banks' contacts can be found here<\/a><\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-1\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>The Effective Interest Rate (EIR) is a measure that consumers should understand and look at closely when they are negotiating a loan or deposit contract with a bank or micro-credit organization. It gives them the best measure of the real cost to them of a proposed loan or the real return they will get on a deposit.<\/p><p><em>It is the best interest rate to use when they want to compare different types of loans or deposits or loans or deposits from different banks.<\/em><\/p><p>It gives them the best measure of the real cost to them of a proposed loan or the real return they will get on a deposit.<\/p><p>The Effective Interest Rate - measures the cost to a borrower or the return to a depositor after all fees and costs related to a loan or a deposit are included in the calculation of the interest rate. For more download brochure.<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2025\/09\/Norma-e-interesit-ENG-PDF.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tThe Effective Interest Rate\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-2\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p><strong>Being a Guarantor: What does it mean and what are the risks?\u00a0<\/strong><\/p><p>Guarantors are used quite frequently by banks and microcredit organizations in Kosovo. Being a guarantor for another person can be a very helpful thing to do for the other person as it could be the difference between their application for a loan being approved or declined. But there are many major risks involved in being a guarantor and it is important that people understand these risks and feel they can manage them BEFORE they agree to be a guarantor. This article describes the key features of guarantees and the risks a person takes on by signing a guarantee.<\/p><p>Some people think signing a guarantee is just a formality \u2013 a simple and riskless way to help a friend or colleague by giving them a character reference. It is much more than that \u2013 you become responsible for their debt if they fail to meet their obligations. For more download brochure.<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2025\/09\/guarantor-ENG.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tGuarantor\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-3\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>What is good to know before you get a Loan?<\/p><p>What is a Loan, What Kind of Loan?<\/p><p>Types of a Loan, Which bank?<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2025\/09\/Article-on-loan.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tArticle on Loan\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-4\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2025\/09\/CBK-Bank-Cards.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tCBK Bank Cards\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-5\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2025\/09\/FINANCIAL-SERVICES-KOSOVO-ENGLISH-EDITABLE.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tFinancial services\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-6\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2025\/09\/MONEY-TRANSFER-KOSOVO-ENGLISH-.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tInternational money transfers\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-7\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>The Kosovo Credit Guarantee Fund (KCGF) is a local, independent, sustainable credit guarantee facility issuing portfolio loan guarantees to financial institutions to cover up to 50% of the risk for loans to micro, small, and medium enterprises (MSMEs).<\/p><p>The KCGF was established in January 2016 under the Law on the Establishment of the Kosovo Credit Guarantee Fund. The aim of the KCGF is to support the private sector in Kosovo by increased access to finance for MSMEs, thereby creating jobs, increasing local production, improving the trade balance and enhancing opportunities for underserved economic sectors.<\/p><p>The establishing Law of the KCGF was initiated by the Ministry of Trade and Industry, and its development was supported by USAID Kosovo, through the EMPOWER Credit Support (ECS) Program. The Law entered into force on January 23, 2016. For more information on KCGF, please refer to:\u00a0<a href=\"http:\/\/www.fondikgk.org\/en\/Home\">http:\/\/www.fondikgk.org\/en\/Home<\/a><\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-8\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>Deposit Insurance Fund of Kosovo (DIFK) is an independent institution established with the objective to protect small depositors from loss in the case of license revocation and closure of a bank, as well as to support the Central Bank of the Republic of Kosovo in meeting its objective to faster the soundness, solvency and efficient functioning of a stable, market-based financial system.<\/p><p>In general, a deposit means a sum of money paid by a depositor to a bank on the condition that it is to be repaid in full by the bank, with or without interest, either on demand or at an agreed time, under the legal and contractual conditions applicable.<\/p><p>Typical deposit products of the banks that are insured by DIFK are sight deposits (current accounts), savings deposits and time deposits.<\/p><p>Actually, depositors are insured, per member bank, up to the insured amount of: \u20ac5,000<\/p><p>A depositor shall have its deposit accounts insured in all banks that are member of DIFK up to the maximum insured amount of \u20ac5,000 (euro). For example: An insured depositor having accounts in two member banks (e.g. bank A and bank B) has\u00a0its deposits insured in those two banks, respectively in bank A: up to \u20ac5,000 (euro); and in bank B: up to \u20ac5,000 (euro). See Depositor's Information\u00a0<a href=\"https:\/\/env2.bqk-kos.org\/edu\/wp-content\/uploads\/2016\/11\/fsdk-anglisht.pdf\">Leaflet on<\/a>\u00a0Deposit Insurance.<\/p><p>For more information on DIFK, please refer to\u00a0\u00a0<a href=\"http:\/\/www.fsdk.org\/en\/\">http:\/\/www.fsdk.org\/en\/<\/a><\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2025\/09\/fsdk-anglisht.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tDeposit Insurance Fund of Kosovo\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"products-box-content\" id=\"product-3\" style=\"display: none;\">\r\n\t\t\t\t\t<div class=\"products-subtab-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-3-0\">\r\n\t\t\t\t\t\t\t\t\tThe currency in circulation in Kosovo\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"products-content\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-3-0\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>The currency used in Kosovo is the Euro<\/p><p>Central Bank of the Republic of Kosovo is responsible for maintaining an appropriate supply of Euro banknotes and coins for the execution of cash transactions in the economy. Since Euro is the main currency permitted to be used in Kosovo, the CBK responsibilities with respect to operations and cash management are related to Euro in first place.<\/p><p>More on the currency circulation in Kosovo:\u00a0<a href=\"https:\/\/env2.bqk-kos.org\/?id=27\">https:\/\/env2.bqk-kos.org\/?id=27<\/a><\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"products-box-content\" id=\"product-4\" style=\"display: none;\">\r\n\t\t\t\t\t<div class=\"products-subtab-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-4-0\">\r\n\t\t\t\t\t\t\t\t\tThe Central Bank of the Republic of Kosovo implements the new Credit Registry System\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"products-content\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-4-0\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><div class=\"row\"><div class=\"col-sm-12 art_brenda\"><p>Starting from today, June 5, 2017, the System of Credit Registry of Kosovo (CRK) used by banks and microfinance institutions has been replaced with a new system. This system is developed according to the latest standards and technology in the credit reporting field. CRK was put into operation for the first time in 2006, aiming to provide information on loans and borrowers to commercial banks, micro finance institutions and insurance companies.<\/p><p>The launch of the new CRK version is the result of one year work of the CBK staff in close cooperation with financial institutions in Kosovo. The new CRK system has taken into consideration the new requirements in the credit market and the best international standards in the field of loans.<\/p><p>The new CRK system provides more information on credit activity. Adding of new reporting fields has been made taking into consideration requests from the Kosovo Credit Guarantee Fund (KCGF), financial institutions and various CBK departments. The new information assists the KCGF on risk-proportionate regulation scaled by the products and services offered under the Law on the Establishment of KCGF. New information also enables for credit institutions to gain a clearer picture on their clients' ability for repayment and the responsibility for financial obligations. Moreover, this information will be used by the CBK in terms of banking supervision during the monitoring and examination process. This information enables the CBK to generate new reports on the credit activity and publish more tables on the credit activity. The CBK planned to expand the range of statistics with new tables based on many parameters, such as new loans over the periods, number of new borrowers, number of loans by municipalities, approved loans for women-owned businesses, business crediting by business size, business crediting by sector, etc.<\/p><p>The new CRK system enables the development of \"web-services\" through which the CRK connection with systems of credit providing institutions can be realized. Expanding functionalities through which it is possible to instantly research a large volume of credit reports. With this, the lending industry process has been advanced in terms of regular monitoring of the loan portfolio in accordance with the rule on credit risk management.<\/p><\/div><\/div><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-image-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/20170605115446956-1.jpg\" alt=\"\">\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"products-box-content\" id=\"product-5\" style=\"display: none;\">\r\n\t\t\t\t\t<div class=\"products-subtab-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-5-0\">\r\n\t\t\t\t\t\t\t\t\tThe Role and Importance of Insurance\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-5-1\">\r\n\t\t\t\t\t\t\t\t\tWhat is insurance? \t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-5-2\">\r\n\t\t\t\t\t\t\t\t\tTypes of insurance\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-5-3\">\r\n\t\t\t\t\t\t\t\t\tWHAT IS BONUS-MALUS SYSTEM?\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"products-content\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-5-0\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p><strong>History of Insurance<\/strong><br \/>Insurance in some forms and ways dates since the ancient era.<br \/>Initial forms of INSURANCE are noted in early people communities within tribes and later in families. For more download the article below.<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-image-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2025\/09\/foto-sigurimet-3-300x300-1.jpg\" alt=\"\">\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2025\/09\/Article-on-Insurance.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tArticle on Insurance\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-5-1\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>Taking insurance is a process by which a person, called the policy-holder passes on a risk of loss that they would like to avoid to an insurance company in return for a payment, called an insurance premium. \u00a0People use insurance to guard against the risk of a possible, but uncertain, loss. A policy-holder takes on a known cost (the premium) in return for the insurance company contracting to cover larger costs should a specified adverse event occur. For more download brochure.<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2025\/09\/Sigurimet-broshura-ENG.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tInsurance brochure\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-5-2\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>Types of insurance: there are many different types of insurance. People can insure against almost any potential risk \u2013 at a price. But the following are the four main types of insurance that most people would consider taking and the main risk that is being insured against for each one.<\/p><p><strong>Type of insurance:<\/strong><br \/>-Life insurance<br \/>-Motor insurance<br \/>-Property insurance \u00a0\u00a0<br \/>-Accident and Health insurance\u00a0\u00a0<\/p><p><strong>Type of risk being covered:<\/strong><br \/>-Early death<br \/>-Accident or theft<br \/>-Fire or other property damage<br \/>-In case of Illness and personal accident<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-5-3\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><div>Bonus-Malus System: this is a system which adjusts the level of motor vehicle liability insurance premium, based on the claims history of the insured.<\/div><div>\u00a0<\/div><div>Each insured in Kosovo (Policyholder), which has a contract (policy) of compulsory insurance motor liability insurance with at least one year term has the right of bonus-malus. \u00a0All policyholders who have not caused accidents within one year will be entitled to benefit from a bonus which will reduce the level of their insurance premium in the following year. For more download brochure.<\/div><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2025\/09\/bonus-malus-pdf-Eng-korrigjuar-1.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tBonus -Malus System brochure\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"products-box-content\" id=\"product-6\" style=\"display: none;\">\r\n\t\t\t\t\t<div class=\"products-subtab-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-6-0\">\r\n\t\t\t\t\t\t\t\t\tPension System in Kosovo\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-6-1\">\r\n\t\t\t\t\t\t\t\t\tLaw on Pension Funds of Kosovo\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"products-content\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-6-0\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p><b><span lang=\"EN-GB\">Regulation of the Pension System<\/span><\/b><\/p><p><span lang=\"EN-GB\">Based on Law No. 04\/L-101 on Pension Funds of Kosovo, the pension system in Kosovo is divided into three pillars:<\/span><\/p><p><b><span lang=\"EN-GB\">First pillar<\/span><\/b><span lang=\"EN-GB\">: The Basic Pension is a pension paid by the Pension Administration (within the Ministry of Labour and Social Welfare) to all permanent residents of Kosovo who have reached the pension age.<\/span><\/p><p><b><span lang=\"EN-GB\">Second pillar:\u00a0<\/span><\/b><span lang=\"EN-GB\">Individual Savings Pensions provided by the Kosovo Pension Savings Trust. The Pension Savings Trust was established with the sole and exclusive purpose of administering and managing individual accounts for savings-based pensions.<\/span><\/p><p><span lang=\"EN-GB\">Based on the current Law No. 04\/L-101 on Pension Funds of Kosovo, each employer shall contribute on behalf of its employees to the KPST, while the employee shall contribute on his\/her behalf.<\/span><\/p><p><b><span lang=\"EN-GB\">Third pillar<\/span><\/b><span lang=\"EN-GB\">: Supplementary Employer Pension Funds, Supplementary Individual Funds<\/span><\/p><p><span lang=\"EN-GB\">The first two pillars are mandatory pensions, i.e. the Basic Pensions provided by the Ministry of Labour and Social Welfare and the Individual Savings Pensions provided by the Kosovo Pension Savings Trust.<\/span><\/p><p><span lang=\"EN-GB\">Under the third pillar, the Supplementary Employer Pension Funds and the Supplementary Individual Funds are voluntary funds where employers can provide supplementary pensions for their employees, but also individuals may provide supplementary individual pensions through supplementary individual pensions.<\/span><\/p><p><b><i><span lang=\"EN-GB\">The funds cannot be withdrawn until the pension age, and the pension age is 65.<\/span><\/i><\/b><\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-6-1\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>More detailed information about each pension pillar in Kosovo can be found in the Law on Pension Funds of Kosovo.\u00a0<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bb5a0b4 shared-layout printable-area-overwrite e-con-full e-flex e-con e-parent\" data-id=\"bb5a0b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-43581d1 e-con-full e-flex e-con e-child\" data-id=\"43581d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-980a7d4 elementor-widget elementor-widget-ef-info-card-hp\" data-id=\"980a7d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ef-info-card-hp.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"ef-info-card\" style=\"background-image: url('https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/09\/Rectangle-12-min.png');\">\r\n\t\t\t<div class=\"ef-info-card-content\">\r\n\t\t\t\t<div class=\"ef-info-card-title\">\r\n\t\t\t\t\tLibrary of Financial Education\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"ef-info-card-description\">\r\n\t\t\t\t\tDiscover a wide collection of educational children&#039;s books in Albanian, Serbian, Turkish and voice that help little ones learn about finances in a fun and interactive way.                 <\/div>\r\n\t\t\t\t<a alt=\"Info card\" href=\"\/edu\/librat\/?lang=en\" class=\"ef-info-card-link\">\r\n\t\t\t\t\tExplore books                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n\t\t\t\t\t\t<path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#fff\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/a>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5916e13 e-con-full e-flex e-con e-child\" data-id=\"5916e13\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d380c8e elementor-widget elementor-widget-ef-info-card-hp\" data-id=\"d380c8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ef-info-card-hp.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"ef-info-card\" style=\"background-image: url('https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/09\/Rectangle-9899-min.png');\">\r\n\t\t\t<div class=\"ef-info-card-content\">\r\n\t\t\t\t<div class=\"ef-info-card-title\">\r\n\t\t\t\t\tContact Financial Education\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"ef-info-card-description\">\r\n\t\t\t\t\tContact us for additional information about our programs and services on the educational financial part. We are here to help you! Contact us we are here to help you!                 <\/div>\r\n\t\t\t\t<a alt=\"Info card\" href=\"\/edu\/kontakti\/?lang=en\" class=\"ef-info-card-link\">\r\n\t\t\t\t\tContact us                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n\t\t\t\t\t\t<path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#fff\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/a>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f6cf865 e-con-full printable-area-overwrite e-flex e-con e-parent\" data-id=\"f6cf865\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb84c16 elementor-widget elementor-widget-split-section\" data-id=\"fb84c16\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"fin\" data-widget_type=\"split-section.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t  \r\n        <div class=\"shared-row-container d-flex-reverse\">\r\n                            <div class=\"img\">\r\n                    <img decoding=\"async\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/11\/bqk_08.png\" alt=\"\">\r\n                <\/div>\r\n                        <div class=\"text\">\r\n                <div>\r\n                                            <h1 class=\"widget-header\">Financial Education: Choose your financial future!<\/h1>\r\n                                        \t\t\t\t\t\t<div class=\"widget-header-click\">\r\n\t\t\t\t\t\t\t<p>The development of financial markets, the economic changes of recent years and the complexity of financial products and services have led financial institutions to increasingly attach importance to the advancement of financial education. The Central Bank of the Republic of Kosovo has approved the Financial Education Program, which aims to increase the level of financial knowledge in order to serve citizens in making the right decisions regarding financial products and services, savings and investments.<\/p><p>The CBK's financial education program aims to contribute to financial well-being through better financial information and education of the public, as well as to promote and maintain a stable financial system in the country.<\/p>\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t                <\/div>\r\n                <div class=\"split-section-link shared-arrow-link\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\t\t\r\n            <\/div>\r\n        <\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43b2134 shared-layout printable-area-overwrite e-con-full e-flex e-con e-parent\" data-id=\"43b2134\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bd39c4c e-con-full e-flex e-con e-child\" data-id=\"bd39c4c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f0d3e81 elementor-widget elementor-widget-ef-info-card-hp\" data-id=\"f0d3e81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ef-info-card-hp.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"ef-info-card\" style=\"background-image: url('https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/foto.jpg');\">\r\n\t\t\t<div class=\"ef-info-card-content\">\r\n\t\t\t\t<div class=\"ef-info-card-title\">\r\n\t\t\t\t\tHow to protect your rights\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"ef-info-card-description\">\r\n\t\t\t\t\tFinancial institutions which operate under the CBK supervision have standard procedures on handling customer complaints. [\u2026]                 <\/div>\r\n\t\t\t\t<a alt=\"Info card\" href=\"\/edu\/ankesat\/?lang=en\" class=\"ef-info-card-link\">\r\n\t\t\t\t\tRead more                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n\t\t\t\t\t\t<path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#fff\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/a>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9dcaa5a e-con-full e-flex e-con e-child\" data-id=\"9dcaa5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd18052 elementor-widget elementor-widget-ef-info-card-hp\" data-id=\"fd18052\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ef-info-card-hp.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"ef-info-card\" style=\"background-image: url('https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/foto1.jpg');\">\r\n\t\t\t<div class=\"ef-info-card-content\">\r\n\t\t\t\t<div class=\"ef-info-card-title\">\r\n\t\t\t\t\tWhat is the payment system?\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"ef-info-card-description\">\r\n\t\t\t\t\tIn the modern world, payments from an individual are made using cash, cards or other [\u2026]                 <\/div>\r\n\t\t\t\t<a alt=\"Info card\" href=\"\/edu\/sistemi-i-pagesave\/?lang=en\" class=\"ef-info-card-link\">\r\n\t\t\t\t\tRead more                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n\t\t\t\t\t\t<path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#fff\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/a>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Financial Education: Get informed and make the right financial decisions The CBK&#8217;s Financial Education Program aims to increase the public&#8217;s financial literacy and skills, helping them make informed decisions on financial products and services, savings and investments. Through this portal, we contribute to the financial well-being of citizens and to the maintenance of a stable [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-10880","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Products - BQK Edu<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bqk-kos.org\/edu\/products\/?lang=en\" \/>\n<meta property=\"og:locale\" content=\"sq_AL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Products - BQK Edu\" \/>\n<meta property=\"og:description\" content=\"Financial Education: Get informed and make the right financial decisions The CBK&#8217;s Financial Education Program aims to increase the public&#8217;s financial literacy and skills, helping them make informed decisions on financial products and services, savings and investments. 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