{"id":942,"date":"2024-09-12T08:10:53","date_gmt":"2024-09-12T08:10:53","guid":{"rendered":"https:\/\/bqk.hpdevenv.com\/edu\/index.php\/rreth-nesh\/"},"modified":"2026-03-25T10:42:40","modified_gmt":"2026-03-25T10:42:40","slug":"rreth-nesh-3-2-2","status":"publish","type":"page","link":"https:\/\/bqk-kos.org\/edu\/rreth-nesh-3-2-2\/?lang=en","title":{"rendered":"Ballina"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"942\" class=\"elementor elementor-942 elementor-7\">\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\/2026\/03\/CBK-AUK_002-EDU.jpg\" alt=\"\">\r\n                <\/div>\r\n                        <div class=\"text\">\r\n                <div>\r\n                                            <h1 class=\"widget-header\" id=\"financial-education-get-informed-and-make-the-right-financial-decisions\">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<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>\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\/?lang=en\" 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-984f544 e-con-full shared-layout printable-area-overwrite e-flex e-con e-parent\" data-id=\"984f544\" data-element_type=\"container\" data-e-type=\"container\" id=\"aktiv\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54d9ce8 latest-activities-slider2 elementor-widget elementor-widget-latest_activities\" data-id=\"54d9ce8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"latest_activities.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"last-activities\">\n\t\t\t\t<div class=\"title-wrapp\">\n\t\t\t\t\t<div class=\"title-link\">\n\t\t\t\t\t\t<h2 id=\"latest-activities\">Latest activities<\/h2>\n\t\t\t\t\t\t<a alt=\"View all activitets\" href=\"\/edu\/aktivitetet-e-fundit\/?lang=en\">\n\t\t\t\t\t\t\tAll activities\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"6.4\" height=\"11.4\" viewBox=\"0 0 6.4 11.4\">\n\t\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=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"right-left-arrows\">\n\t\t\t\t\t\t<button aria-label=\"Previous\" class=\"left left-arrow\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"9.4\" height=\"17.399\" viewBox=\"0 0 9.4 17.399\">\n\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,8,8,0ZM0,8,8,0Z\" transform=\"translate(0.7 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t<button class=\"right right-arrow\" aria-label=\"Next\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"9.4\" height=\"17.398\" viewBox=\"0 0 9.4 17.398\">\n\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\n\t\t\t\t<div class=\"last-activities-card-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/bqk-kos.org\/edu\/activities\/bqk-shenon-1-qershorin-diten-nderkombetare-te-femijeve-me-aktivitet-edukativ-per-nxenesit-2\/\" class=\"last-activities-card\">\n\t\t\t\t\t\t\t<div class=\"card-img-wrapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"149\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_4225-1-300x149.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_4225-1-300x149.jpg 300w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_4225-1-1024x510.jpg 1024w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_4225-1-768x382.jpg 768w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_4225-1-1536x765.jpg 1536w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_4225-1-2048x1019.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<div class=\"activities-content\">\n\t\t\t\t\t\t\t\t<div class=\"card-title\">\n\t\t\t\t\t\t\t\t\t<div class=\"details\">\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"aktivitete\">Aktivitete<\/h6>\n\t\t\t\t\t\t\t\t\t\t<span>|<\/span>\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"01-06-2026\">01\/06\/2026<\/h6>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3 id=\"bqk-shenon-1-qershorin-diten-nderkombetare-te-femijeve-me-aktivitet-edukativ-per-nxenesit\">BQK sh\u00ebnon 1 Qershorin \u2013 Dit\u00ebn Nd\u00ebrkomb\u00ebtare t\u00eb F\u00ebmij\u00ebve me aktivitet edukativ p\u00ebr nx\u00ebn\u00ebsit<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"activities-cta\">\n\t\t\t\t\t\t\t\t\t<h6>Read more\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 10 17.398\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t<button>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"share-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" viewBox=\"0 0 25.6 25.6\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18631\" data-name=\"Path 18631\" d=\"M10.341,14.347l9.208-4.756m-9.208,8.085,9.208,4.76M10.451,16a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,10.451,16ZM27,24.25a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,27,24.25Zm0-16.5A3.726,3.726,0,1,1,23.275,4,3.738,3.738,0,0,1,27,7.75Z\" \n\t\t\t\t\t\t\t\t\t\t\t\ttransform=\"translate(-2.2 -3.2)\" \n\t\t\t\t\t\t\t\t\t\t\t\tfill=\"none\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke=\"#3F1871\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linecap=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linejoin=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-width=\"1.6\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg> \n\t\t\t\t\t\t\t\t\t\tShare\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/bqk-kos.org\/edu\/activities\/bqk-mban-ligjerate-per-studentet-e-universitetit-te-prishtines-informohen-mbi-rolin-e-institucionit-ne-ruajtjen-e-stabilitetit-financiar-funksionet-dhe-mandatin-kushtetues-e-ligjor\/\" class=\"last-activities-card\">\n\t\t\t\t\t\t\t<div class=\"card-img-wrapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/04\/BQK-UP_01-300x200.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/04\/BQK-UP_01-300x200.jpg 300w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/04\/BQK-UP_01-1024x683.jpg 1024w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/04\/BQK-UP_01-768x512.jpg 768w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/04\/BQK-UP_01-1536x1024.jpg 1536w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/04\/BQK-UP_01-2048x1365.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<div class=\"activities-content\">\n\t\t\t\t\t\t\t\t<div class=\"card-title\">\n\t\t\t\t\t\t\t\t\t<div class=\"details\">\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"aktivitete\">Aktivitete<\/h6>\n\t\t\t\t\t\t\t\t\t\t<span>|<\/span>\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"07-04-2026\">07\/04\/2026<\/h6>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3 id=\"bqk-mban-ligjerate-per-studentet-e-universitetit-te-prishtines-informohen-mbi-rolin-e-institucionit-ne-ruajtjen-e-stabilitetit-financiar-funksionet-dhe-mandatin-kushtetues-e-ligjor\">BQK mban ligj\u00ebrat\u00eb p\u00ebr student\u00ebt e Universitetit t\u00eb Prishtin\u00ebs: Informohen mbi rolin e institucionit n\u00eb ruajtjen e stabilitetit financiar, funksionet dhe mandatin kushtetues e ligjor<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"activities-cta\">\n\t\t\t\t\t\t\t\t\t<h6>Read more\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 10 17.398\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t<button>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"share-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" viewBox=\"0 0 25.6 25.6\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18631\" data-name=\"Path 18631\" d=\"M10.341,14.347l9.208-4.756m-9.208,8.085,9.208,4.76M10.451,16a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,10.451,16ZM27,24.25a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,27,24.25Zm0-16.5A3.726,3.726,0,1,1,23.275,4,3.738,3.738,0,0,1,27,7.75Z\" \n\t\t\t\t\t\t\t\t\t\t\t\ttransform=\"translate(-2.2 -3.2)\" \n\t\t\t\t\t\t\t\t\t\t\t\tfill=\"none\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke=\"#3F1871\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linecap=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linejoin=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-width=\"1.6\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg> \n\t\t\t\t\t\t\t\t\t\tShare\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/bqk-kos.org\/edu\/activities\/bqk-realizon-aktivitete-edukative-financiare-me-nxenesit-e-shkollave-aleksander-xhuvani-dhe-isa-boletini-ne-podujeve-ne-kuader-te-javes-globale-te-parase-2026\/\" class=\"last-activities-card\">\n\t\t\t\t\t\t\t<div class=\"card-img-wrapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/1-Axhuvani--300x200.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/1-Axhuvani--300x200.jpg 300w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/1-Axhuvani--1024x683.jpg 1024w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/1-Axhuvani--768x512.jpg 768w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/1-Axhuvani--1536x1024.jpg 1536w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/1-Axhuvani--2048x1365.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<div class=\"activities-content\">\n\t\t\t\t\t\t\t\t<div class=\"card-title\">\n\t\t\t\t\t\t\t\t\t<div class=\"details\">\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"aktivitete\">Aktivitete<\/h6>\n\t\t\t\t\t\t\t\t\t\t<span>|<\/span>\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"27-03-2026\">27\/03\/2026<\/h6>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3 id=\"bqk-realizon-aktivitete-edukative-financiare-me-nxenesit-e-shkollave-aleksander-xhuvani-dhe-isa-boletini-ne-podujeve-ne-kuader-te-javes-globale-te-parase-2026\">BQK realizon aktivitete edukative financiare me nxen\u00ebsit e Shkollave Aleksand\u00ebr Xhuvani dhe Isa Boletini n\u00eb Podujev\u00eb n\u00eb kuad\u00ebr t\u00eb Jav\u00ebs Globale t\u00eb Paras\u00eb 2026<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"activities-cta\">\n\t\t\t\t\t\t\t\t\t<h6>Read more\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 10 17.398\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t<button>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"share-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" viewBox=\"0 0 25.6 25.6\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18631\" data-name=\"Path 18631\" d=\"M10.341,14.347l9.208-4.756m-9.208,8.085,9.208,4.76M10.451,16a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,10.451,16ZM27,24.25a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,27,24.25Zm0-16.5A3.726,3.726,0,1,1,23.275,4,3.738,3.738,0,0,1,27,7.75Z\" \n\t\t\t\t\t\t\t\t\t\t\t\ttransform=\"translate(-2.2 -3.2)\" \n\t\t\t\t\t\t\t\t\t\t\t\tfill=\"none\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke=\"#3F1871\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linecap=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linejoin=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-width=\"1.6\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg> \n\t\t\t\t\t\t\t\t\t\tShare\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/bqk-kos.org\/edu\/activities\/guvernatori-ismaili-ligjeroi-para-studenteve-te-rit-kosovo-auk-mbi-rolin-e-bqk-se-ne-ruajtjen-e-stabilitetit-financiar-dhe-promovimin-e-zhvillimit-te-qendrueshem-ekonomik\/\" class=\"last-activities-card\">\n\t\t\t\t\t\t\t<div class=\"card-img-wrapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-AUK_001-300x200.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-AUK_001-300x200.jpg 300w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-AUK_001-1024x683.jpg 1024w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-AUK_001-768x512.jpg 768w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-AUK_001-1536x1024.jpg 1536w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-AUK_001-2048x1365.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<div class=\"activities-content\">\n\t\t\t\t\t\t\t\t<div class=\"card-title\">\n\t\t\t\t\t\t\t\t\t<div class=\"details\">\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"aktivitete\">Aktivitete<\/h6>\n\t\t\t\t\t\t\t\t\t\t<span>|<\/span>\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"23-03-2026\">23\/03\/2026<\/h6>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3 id=\"guvernatori-ismaili-ligjeroi-para-studenteve-te-rit-kosovo-auk-mbi-rolin-e-bqk-se-ne-ruajtjen-e-stabilitetit-financiar-dhe-promovimin-e-zhvillimit-te-qendrueshem-ekonomik\">Guvernatori Ismaili ligj\u00ebroi para student\u00ebve t\u00eb RIT Kosovo (AUK) mbi rolin e BQK-s\u00eb n\u00eb ruajtjen e stabilitetit financiar dhe promovimin e zhvillimit t\u00eb q\u00ebndruesh\u00ebm ekonomik<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"activities-cta\">\n\t\t\t\t\t\t\t\t\t<h6>Read more\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 10 17.398\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t<button>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"share-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" viewBox=\"0 0 25.6 25.6\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18631\" data-name=\"Path 18631\" d=\"M10.341,14.347l9.208-4.756m-9.208,8.085,9.208,4.76M10.451,16a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,10.451,16ZM27,24.25a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,27,24.25Zm0-16.5A3.726,3.726,0,1,1,23.275,4,3.738,3.738,0,0,1,27,7.75Z\" \n\t\t\t\t\t\t\t\t\t\t\t\ttransform=\"translate(-2.2 -3.2)\" \n\t\t\t\t\t\t\t\t\t\t\t\tfill=\"none\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke=\"#3F1871\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linecap=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linejoin=\"round\" 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https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/8X4A2525.jpg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<div class=\"activities-content\">\n\t\t\t\t\t\t\t\t<div class=\"card-title\">\n\t\t\t\t\t\t\t\t\t<div class=\"details\">\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"aktivitete\">Aktivitete<\/h6>\n\t\t\t\t\t\t\t\t\t\t<span>|<\/span>\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"23-03-2026\">23\/03\/2026<\/h6>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3 id=\"zevendesguvernatori-fusha-pjese-e-panelit-per-rolin-e-parase-digjitale-ne-luftimin-e-evazionit-tatimor-ne-kuader-te-javes-globale-te-parase\">Z\u00ebvend\u00ebsguvernatori Fusha pjes\u00eb e panelit p\u00ebr rolin e paras\u00eb digjitale n\u00eb luftimin e evazionit tatimor n\u00eb kuad\u00ebr t\u00eb Jav\u00ebs Globale t\u00eb Paras\u00eb<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"activities-cta\">\n\t\t\t\t\t\t\t\t\t<h6>Read more\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 10 17.398\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t<button>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"share-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" viewBox=\"0 0 25.6 25.6\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18631\" data-name=\"Path 18631\" d=\"M10.341,14.347l9.208-4.756m-9.208,8.085,9.208,4.76M10.451,16a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,10.451,16ZM27,24.25a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,27,24.25Zm0-16.5A3.726,3.726,0,1,1,23.275,4,3.738,3.738,0,0,1,27,7.75Z\" \n\t\t\t\t\t\t\t\t\t\t\t\ttransform=\"translate(-2.2 -3.2)\" \n\t\t\t\t\t\t\t\t\t\t\t\tfill=\"none\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke=\"#3F1871\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linecap=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linejoin=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-width=\"1.6\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg> \n\t\t\t\t\t\t\t\t\t\tShare\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/bqk-kos.org\/edu\/activities\/bqk-thekson-rendesine-e-edukimit-financiar-ne-ndarjen-e-cmimeve-te-gares-stock-market-learning-competition-per-bankiere-te-rinj\/\" class=\"last-activities-card\">\n\t\t\t\t\t\t\t<div class=\"card-img-wrapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/653719640_783151621533034_1286891581220846316_n-1-300x200.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/653719640_783151621533034_1286891581220846316_n-1-300x200.jpg 300w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/653719640_783151621533034_1286891581220846316_n-1-1024x683.jpg 1024w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/653719640_783151621533034_1286891581220846316_n-1-768x512.jpg 768w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/653719640_783151621533034_1286891581220846316_n-1-1536x1024.jpg 1536w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/653719640_783151621533034_1286891581220846316_n-1.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<div class=\"activities-content\">\n\t\t\t\t\t\t\t\t<div class=\"card-title\">\n\t\t\t\t\t\t\t\t\t<div class=\"details\">\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"aktivitete\">Aktivitete<\/h6>\n\t\t\t\t\t\t\t\t\t\t<span>|<\/span>\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"19-03-2026\">19\/03\/2026<\/h6>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3 id=\"bqk-thekson-rendesine-e-edukimit-financiar-ne-ndarjen-e-cmimeve-te-gares-stock-market-learning-competition-per-bankiere-te-rinj\">BQK thekson r\u00ebnd\u00ebsin\u00eb e edukimit financiar n\u00eb ndarjen e \u00e7mimeve t\u00eb gar\u00ebs &#8220;Stock Market Learning Competition&#8221; p\u00ebr bankier\u00eb t\u00eb rinj<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"activities-cta\">\n\t\t\t\t\t\t\t\t\t<h6>Read more\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 10 17.398\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t<button>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"share-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" viewBox=\"0 0 25.6 25.6\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18631\" data-name=\"Path 18631\" d=\"M10.341,14.347l9.208-4.756m-9.208,8.085,9.208,4.76M10.451,16a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,10.451,16ZM27,24.25a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,27,24.25Zm0-16.5A3.726,3.726,0,1,1,23.275,4,3.738,3.738,0,0,1,27,7.75Z\" \n\t\t\t\t\t\t\t\t\t\t\t\ttransform=\"translate(-2.2 -3.2)\" \n\t\t\t\t\t\t\t\t\t\t\t\tfill=\"none\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke=\"#3F1871\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linecap=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linejoin=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-width=\"1.6\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg> \n\t\t\t\t\t\t\t\t\t\tShare\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/bqk-kos.org\/edu\/activities\/konkurs-per-punime-kerkimore\/\" class=\"last-activities-card\">\n\t\t\t\t\t\t\t<div class=\"card-img-wrapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"158\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/BQK-Cmimi_WEB-shq-300x158.png\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/BQK-Cmimi_WEB-shq-300x158.png 300w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/BQK-Cmimi_WEB-shq-1024x538.png 1024w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/BQK-Cmimi_WEB-shq-768x403.png 768w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/BQK-Cmimi_WEB-shq.png 1200w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<div class=\"activities-content\">\n\t\t\t\t\t\t\t\t<div class=\"card-title\">\n\t\t\t\t\t\t\t\t\t<div class=\"details\">\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"aktivitete\">Aktivitete<\/h6>\n\t\t\t\t\t\t\t\t\t\t<span>|<\/span>\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"17-03-2026\">17\/03\/2026<\/h6>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3 id=\"konkurs-per-punime-kerkimore\">KONKURS P\u00cbR PUNIME K\u00cbRKIMORE<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"activities-cta\">\n\t\t\t\t\t\t\t\t\t<h6>Read more\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 10 17.398\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t<button>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"share-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" viewBox=\"0 0 25.6 25.6\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18631\" data-name=\"Path 18631\" d=\"M10.341,14.347l9.208-4.756m-9.208,8.085,9.208,4.76M10.451,16a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,10.451,16ZM27,24.25a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,27,24.25Zm0-16.5A3.726,3.726,0,1,1,23.275,4,3.738,3.738,0,0,1,27,7.75Z\" \n\t\t\t\t\t\t\t\t\t\t\t\ttransform=\"translate(-2.2 -3.2)\" \n\t\t\t\t\t\t\t\t\t\t\t\tfill=\"none\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke=\"#3F1871\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linecap=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linejoin=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-width=\"1.6\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg> \n\t\t\t\t\t\t\t\t\t\tShare\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/bqk-kos.org\/edu\/activities\/bqk-hap-aktivitetet-e-javes-globale-te-parase-2026-ndan-cmimet-e-garave-dhe-shpall-cmimin-per-ekonomiste-te-rinj\/\" class=\"last-activities-card\">\n\t\t\t\t\t\t\t<div class=\"card-img-wrapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-GMW_001-2048x1365-1-300x200.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-GMW_001-2048x1365-1-300x200.jpg 300w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-GMW_001-2048x1365-1-1024x683.jpg 1024w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-GMW_001-2048x1365-1-768x512.jpg 768w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-GMW_001-2048x1365-1-1536x1024.jpg 1536w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-GMW_001-2048x1365-1.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<div class=\"activities-content\">\n\t\t\t\t\t\t\t\t<div class=\"card-title\">\n\t\t\t\t\t\t\t\t\t<div class=\"details\">\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"aktivitete\">Aktivitete<\/h6>\n\t\t\t\t\t\t\t\t\t\t<span>|<\/span>\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"16-03-2026\">16\/03\/2026<\/h6>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3 id=\"bqk-hap-aktivitetet-e-javes-globale-te-parase-2026-ndan-cmimet-e-garave-dhe-shpall-cmimin-per-ekonomiste-te-rinj\">BQK hap aktivitetet e Jav\u00ebs Globale t\u00eb Paras\u00eb 2026, ndan \u00e7mimet e garave dhe shpall \u201c\u00c7mimin p\u00ebr Ekonomist\u00eb t\u00eb Rinj\u201d<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"activities-cta\">\n\t\t\t\t\t\t\t\t\t<h6>Read more\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 10 17.398\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t<button>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"share-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" viewBox=\"0 0 25.6 25.6\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18631\" data-name=\"Path 18631\" d=\"M10.341,14.347l9.208-4.756m-9.208,8.085,9.208,4.76M10.451,16a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,10.451,16ZM27,24.25a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,27,24.25Zm0-16.5A3.726,3.726,0,1,1,23.275,4,3.738,3.738,0,0,1,27,7.75Z\" \n\t\t\t\t\t\t\t\t\t\t\t\ttransform=\"translate(-2.2 -3.2)\" \n\t\t\t\t\t\t\t\t\t\t\t\tfill=\"none\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke=\"#3F1871\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linecap=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linejoin=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-width=\"1.6\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg> \n\t\t\t\t\t\t\t\t\t\tShare\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\n\t\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\" id=\"ef-tabs-5018d98\" 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\" id=\"cbk\">CBK<\/h2>\r\n\t\t\t\t\t<h3 class=\"toggle-subtitle\" id=\"central-bank-of-the-republic-of-kosovo\">Central 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 id=\"cbk\">CBK<\/h3>\r\n\t\t\t\t\t\t\t<h2 id=\"central-bank-of-the-republic-of-kosovo\">Central 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 id=\"banks\">Banks<\/h3>\r\n\t\t\t\t\t\t\t<h2 id=\"banks-operating-in-kosovo\">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 id=\"euros-and-money\">Euros and Money<\/h3>\r\n\t\t\t\t\t\t\t<h2 id=\"money-in-circulation-in-kosovo\">Money 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 id=\"credits-registration\">Credits registration<\/h3>\r\n\t\t\t\t\t\t\t<h2 id=\"credit-register-at-the-central-bank\">Credit Register at the Central Bank<\/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 id=\"insurance\">Insurance<\/h3>\r\n\t\t\t\t\t\t\t<h2 id=\"general-conditions-of-the-insurance-policy\">General 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 id=\"pension\">Pension<\/h3>\r\n\t\t\t\t\t\t\t<h2 id=\"pension-system-in-the-republic-of-kosovo\">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 id=\"cbk\">CBK<\/h3>\r\n\t\t\t\t\t\t<h2 id=\"central-bank-of-the-republic-of-kosovo\">Central 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 id=\"banks\">Banks<\/h3>\r\n\t\t\t\t\t\t<h2 id=\"banks-operating-in-kosovo\">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 id=\"euros-and-money\">Euros and Money<\/h3>\r\n\t\t\t\t\t\t<h2 id=\"money-in-circulation-in-kosovo\">Money 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 id=\"credits-registration\">Credits registration<\/h3>\r\n\t\t\t\t\t\t<h2 id=\"credit-register-at-the-central-bank\">Credit Register at the Central Bank<\/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 id=\"insurance\">Insurance<\/h3>\r\n\t\t\t\t\t\t<h2 id=\"general-conditions-of-the-insurance-policy\">General 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 id=\"pension\">Pension<\/h3>\r\n\t\t\t\t\t\t<h2 id=\"pension-system-in-the-republic-of-kosovo\">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>Disa banka qendrore, p\u00ebrfshir\u00eb Bank\u00ebn Qendrore t\u00eb Kosov\u00ebs, kryejn\u00eb edhe funksione t\u00eb tjera t\u00eb r\u00ebnd\u00ebsishme, si mbik\u00ebqyrja e tregut financiar dhe menaxhimin e rezervave valutore t\u00eb vendit. Por jo t\u00eb gjitha bankat qendrore kan\u00eb k\u00ebto role.<\/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>An\u00ebtar\u00ebt e organeve t\u00eb saj vendimmarr\u00ebse, t\u00eb Bordit Drejtues t\u00eb BQK-s\u00eb dhe Bordit Ekzekutiv, nuk duhet t\u00eb marrin apo t\u00eb k\u00ebrkoj\u00eb ndonj\u00eb udh\u00ebzim nga qeveria apo kushdo tjet\u00ebr n\u00eb realizimin e detyrave dhe p\u00ebrgjegj\u00ebsive t\u00eb tyre.<\/p><p><strong>Misioni i BQK-s\u00eb:<\/strong><\/p><p>-\u00a0 \u00a0T\u00eb ruaj\u00eb stabilitetin financiar dhe monetar n\u00eb Kosov\u00eb;<br \/>-\u00a0 \u00a0T\u00eb siguroj\u00eb sisteme efektive t\u00eb pagesave dhe furnizimit me para t\u00eb gatshme;<\/p><p>-\u00a0 \u00a0T'i ofroj\u00eb k\u00ebshilla ekonomike Qeveris\u00eb dhe subjekteve t\u00eb tjera publike; dhe<\/p><p>-\u00a0 \u00a0T\u00eb kontribuoj\u00eb n\u00eb zhvillimin afatgjat\u00eb t\u00eb q\u00ebndruesh\u00ebm t\u00eb Kosov\u00ebs p\u00ebrmes zhvillimit t\u00eb tregut financiar.<\/p><p><strong>Vizioni strategjik i BQK-s\u00eb:\u00a0<\/strong>vizioni strategjik i BQK-s\u00eb \u00ebsht\u00eb t\u00eb jemi n\u00eb mesin e bankave qendrore m\u00eb efikase dhe efektive, si dhe t\u00eb jemi institucion meritor n\u00eb arritjen e integrimit evropian dhe afirmimit nd\u00ebrkomb\u00ebtar t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs. Nga ana operacionale, BQK-ja p\u00ebrpiqet t\u00eb arrij\u00eb nivelin m\u00eb t\u00eb lart\u00eb, deri n\u00eb p\u00ebrsosm\u00ebri, p\u00ebr nga kompetencat, integriteti, efikasiteti dhe transparenca n\u00eb t\u00eb gjitha operacionet dhe aktivitetet e saj.<\/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:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/ENG-Lista-e-institucioneve-financiare-12.02.2024.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\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\/2024\/10\/Lista-e-institucioneve-financiare_10122020.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\tKontaktet e Bankave Komerciale n\u00eb Kosov\u00eb\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\tRuaj\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-2-1\" 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\/2024\/12\/Norma-e-interesit-ENG-PDF-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\tNorma e interesit\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\t\t\t\t\t\t\t\t\t\t<h3 class=\"content-title\" id=\"being-a-guarantor-what-does-it-mean-and-what-are-the-risks\">Being a Guarantor: What does it mean and what are the risks? <\/h3>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<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\/2024\/12\/guarantor-ENG-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\tBeing a Guarantor\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>For more:\u00a0\u00a0Article on Loan<\/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\/2024\/12\/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\/2024\/12\/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\t\t\t\t\t\t\t\t\t\t<h3 class=\"content-title\" id=\"financial-services-and-products\">Financial services and products<\/h3>\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\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\/Capture-2.png\" 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\/2024\/12\/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\t\t\t\t\t\t\t\t\t\t<h3 class=\"content-title\" id=\"international-money-transfers-basic-concepts\"> International money transfers basic concepts<\/h3>\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\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\/Capture-3.png\" 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\/2024\/12\/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\tMoney Transfer\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:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/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><div class=\"produktet-data\">\u00a0<\/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<\/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 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-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: <a href=\"https:\/\/bqk-kos.org\/operacionet-bankare\/paraja-ne-qarkullim\/?lang=en\">https:\/\/bqk-kos.org\/operacionet-bankare\/paraja-ne-qarkullim\/?lang=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<\/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>History of Insurance<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\u00a0<a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/Article-on-Insurance.pdf\">Article<\/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\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\/Capture-1.png\" 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\/2024\/12\/TPL-broshura.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\tKushtet e p\u00ebrgjithshme t\u00eb policis\u00eb s\u00eb sigurimit\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\tRuaj\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\t\t\t\t\t\t\t\t\t\t<h3 class=\"content-title\" id=\"what-is-insurance\">What is insurance? <\/h3>\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><div class=\"produktet-data\">\u00a0<\/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\/2024\/12\/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\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><div>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.<\/div><div>\u00a0<\/div><div>Type of insurance \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Type of risk being covered<\/div><div>\u00a0<\/div><div>Life insurance \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Early death<\/div><div>Motor insurance \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Accident or theft<\/div><div>Property insurance \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0Fire or other property damage<\/div><div>Accident and Health insurance\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0In case of Illness and personal accident<\/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<\/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><div class=\"produktet-data\">\u00a0<\/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\/2024\/12\/bonus-malus-pdf-Eng-korrigjuar.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\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\t\t\t\t\t\t\t\t\t\t<h3 class=\"content-title\" id=\"regulation-of-the-pension-system\">Regulation of the Pension System<\/h3>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<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\t\t\t\t\t\t\t\t\t\t<h3 class=\"content-title\" id=\"law-on-pension-funds-of-kosovo\">Law on Pension Funds of Kosovo<\/h3>\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<a href=\"https:\/\/bqk-kos.org\/mbikeqyrja-financiare\/pension-funds\/?lang=en\">click\u00a0here.<\/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<\/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-c5ef15c shared-layout printable-area-overwrite e-con-full e-flex e-con e-parent\" data-id=\"c5ef15c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4eb788e elementor-widget-mobile__width-inherit elementor-widget elementor-widget-ef_faq\" data-id=\"4eb788e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ef_faq.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"ef-faq\">\r\n\t\t\t<div class=\"image-wrapper\">\r\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/11\/IMG_6898.jpg\" alt=\"\">\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"content\">\r\n\t\t\t\t<h1 class=\"title\" id=\"financial-education-for-young-people\">Financial Education for young people<\/h1>\r\n\t\t\t\t<p class=\"subtitle\"><\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ef-faq-accordion\">\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-title\">\r\n\t\t\t\t\t\t\t\t<h3 id=\"internship\">Internship<\/h3>\r\n\t\t\t\t\t\t\t\t<span>\r\n\t\t\t\t\t\t\t\t\t<svg class=\"icon-down\" 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\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\"\/>\r\n\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-content\">\r\n\t\t\t\t\t\t\t\t<p>Practical Experience: A unique opportunity for Kosovo&#039;s youth to develop practical financial skills with the experts of the BQK.<\/p>\r\n\t\t\t\t\t\t\t\t<a alt=\"Accordion link\" href=\"\/edu\/internship\/?lang=en\">Read more<\/a>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ef-faq-accordion\">\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-title\">\r\n\t\t\t\t\t\t\t\t<h3 id=\"photo-video-gallery\">Photo-Video Gallery<\/h3>\r\n\t\t\t\t\t\t\t\t<span>\r\n\t\t\t\t\t\t\t\t\t<svg class=\"icon-down\" 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\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\"\/>\r\n\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-content\">\r\n\t\t\t\t\t\t\t\t<p>A visual journey through the activities and events of the BC, providing a window into the world of financial education.<\/p>\r\n\t\t\t\t\t\t\t\t<a alt=\"Accordion link\" href=\"\/edu\/foto-video-galeria\/?lang=en\">Read more<\/a>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ef-faq-accordion\">\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-title\">\r\n\t\t\t\t\t\t\t\t<h3 id=\"for-students\">For students<\/h3>\r\n\t\t\t\t\t\t\t\t<span>\r\n\t\t\t\t\t\t\t\t\t<svg class=\"icon-down\" 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\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\"\/>\r\n\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-content\">\r\n\t\t\t\t\t\t\t\t<p>For Students: Programs and activities that pave the way to a successful financial future for university students.<\/p>\r\n\t\t\t\t\t\t\t\t<a alt=\"Accordion link\" href=\"\/edu\/per-studente\/?lang=en\">Read more<\/a>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ef-faq-accordion\">\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-title\">\r\n\t\t\t\t\t\t\t\t<h3 id=\"for-primary-school-students\">For primary school students<\/h3>\r\n\t\t\t\t\t\t\t\t<span>\r\n\t\t\t\t\t\t\t\t\t<svg class=\"icon-down\" 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\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\"\/>\r\n\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-content\">\r\n\t\t\t\t\t\t\t\t<p>For primary school students: Initiatives that educate and empower students with financial knowledge and skills for money management.<\/p>\r\n\t\t\t\t\t\t\t\t<a alt=\"Accordion link\" href=\"\/edu\/per-nxenes\/?lang=en\">Read more<\/a>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ef-faq-accordion\">\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-title\">\r\n\t\t\t\t\t\t\t\t<h3 id=\"prize-young-economists\">Prize - Young economists<\/h3>\r\n\t\t\t\t\t\t\t\t<span>\r\n\t\t\t\t\t\t\t\t\t<svg class=\"icon-down\" 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\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\"\/>\r\n\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-content\">\r\n\t\t\t\t\t\t\t\t<p>Prize - Young economists: The competition that rewards the brightest minds and most innovative ideas in the field of economics.<\/p>\r\n\t\t\t\t\t\t\t\t<a alt=\"Accordion link\" href=\"\/edu\/cmimi-ekonomiste-te-rinje\/?lang=en\">Read more<\/a>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ef-faq-accordion\">\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-title\">\r\n\t\t\t\t\t\t\t\t<h3 id=\"for-young-people\">For young people<\/h3>\r\n\t\t\t\t\t\t\t\t<span>\r\n\t\t\t\t\t\t\t\t\t<svg class=\"icon-down\" 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\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\"\/>\r\n\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-content\">\r\n\t\t\t\t\t\t\t\t<p>For young people: Opportunities and activities that awaken interest and develop financial skills for young people outside the formal education system.<\/p>\r\n\t\t\t\t\t\t\t\t<a alt=\"Accordion link\" href=\"\/edu\/per-te-rinjte-materiale\/?lang=en\">Read more<\/a>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\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-cb7d610 e-con-full printable-area-overwrite e-flex e-con e-parent\" data-id=\"cb7d610\" data-element_type=\"container\" 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href=\"https:\/\/bqk-kos.org\/edu\/materials\/pyetje-dhe-pergjigje-rregullorja-per-operacione-me-para-te-gatshme\/\" class=\"read-more\">\r\n                                Lexo m\u00eb shum\u00eb                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n                                    <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=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\" \/>\r\n                                <\/svg>\r\n                            <\/a>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"material-item\">\r\n                        <div class=\"material-item-content\">\r\n                            <div class=\"dis-flex\">\r\n                                <div class=\"date\">\r\n         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              <p class=\"description\">Plani i BQK-s\u00eb p\u00ebr zbatim t\u00eb leht\u00ebsuar t\u00eb Rregullores p\u00ebr Operacione me Para t\u00eb Gatshme...<\/p>\r\n                            <a alt=\"Read more text\" href=\"https:\/\/bqk-kos.org\/edu\/materials\/plani-i-bqk-se-per-zbatim-te-lehtesuar-te-rregullores-per-operacione-me-para-te-gatshme\/\" class=\"read-more\">\r\n                                Lexo m\u00eb shum\u00eb                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n                                    <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=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\" \/>\r\n                                <\/svg>\r\n                            <\/a>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"material-item\">\r\n                        <div class=\"material-item-content\">\r\n                            <div class=\"dis-flex\">\r\n                                <div class=\"date\">\r\n                                    17.01.2024                                <\/div>\r\n                            <\/div>\r\n                            <h3 class=\"title\" id=\"llogari-pagese-me-sherbime-bazike-video-informuese\">Llogari pagese me sh\u00ebrbime bazike- video informuese<\/h3>\r\n                            <p class=\"description\">Llogari pagese me sh\u00ebrbime bazike- video informuese Krijoni llogarin\u00eb tuaj bankare pa pages\u00eb ose me...<\/p>\r\n                            <a alt=\"Read more text\" href=\"https:\/\/bqk-kos.org\/edu\/materials\/llogari-pagese-me-sherbime-bazike-video-informuese\/\" class=\"read-more\">\r\n                                Lexo m\u00eb shum\u00eb                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n                                    <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=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\" \/>\r\n                                <\/svg>\r\n                            <\/a>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"material-item\">\r\n                        <div class=\"material-item-content\">\r\n                            <div class=\"dis-flex\">\r\n                                <div class=\"date\">\r\n                                    17.01.2024                                <\/div>\r\n                            <\/div>\r\n                            <h3 class=\"title\" id=\"monedha-2-euro-dhe-tiparet-e-sigurise\">Monedha 2 euro dhe tiparet e siguris\u00eb<\/h3>\r\n                            <p class=\"description\">Monedha 2 euro dhe tiparet e siguris\u00eb N\u00eb k\u00ebt\u00eb broshur\u00eb jan\u00eb shpalosur tiparet e siguris\u00eb...<\/p>\r\n                            <a alt=\"Read more text\" href=\"https:\/\/bqk-kos.org\/edu\/materials\/monedha-2-euro-dhe-tiparet-e-sigurise\/\" class=\"read-more\">\r\n                                Lexo m\u00eb shum\u00eb                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n                                    <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=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\" \/>\r\n                                <\/svg>\r\n                            <\/a>\r\n                        <\/div>\r\n                    <\/div>\r\n         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xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n\t\t\t\t\t\t<path id=\"Left_Arrow_4_\" d=\"m84 108c-1.023 0-2.047-.391-2.828-1.172l-40-40c-1.563-1.563-1.563-4.094 0-5.656l40-40c1.563-1.563 4.094-1.563 5.656 0s1.563 4.094 0 5.656l-37.172 37.172 37.172 37.172c1.563 1.563 1.563 4.094 0 5.656-.781.781-1.805 1.172-2.828 1.172z\" \/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/button>\r\n\t\t\t\t<button aria-label=\"Next\" class=\"next-button\">\r\n\t\t\t\t\t<svg id=\"Layer_1\" enable-background=\"new 0 0 128 128\" height=\"24\" viewBox=\"0 0 128 128\" width=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n\t\t\t\t\t\t<path id=\"Right_Arrow_4_\" d=\"m44 108c-1.023 0-2.047-.391-2.828-1.172-1.563-1.563-1.563-4.094 0-5.656l37.172-37.172-37.172-37.172c-1.563-1.563-1.563-4.094 0-5.656s4.094-1.563 5.656 0l40 40c1.563 1.563 1.563 4.094 0 5.656l-40 40c-.781.781-1.805 1.172-2.828 1.172z\" \/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/button>\r\n\t\t\t<\/div>\r\n        <\/div>\r\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-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\" id=\"financial-education-towards-a-sustainable-future\">Financial Education: Towards a Sustainable 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>Financial Education is the main initiative of the Central Bank of the Republic of Kosovo (CEC), which aims to increase the financial knowledge of citizens to empower them in making informed decisions on financial products and services, savings and investments. Through educational programs and rich resources, we contribute to the financial well-being of the public and the stability of Kosovo's financial system. We commit to creating a strong culture of financial education, thus promoting a stronger and sustainable economy for all.<\/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\t What 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 bank transfers. A Kosovo citizen today uses various payment instruments to send and receive funds. [\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<div class=\"elementor-element elementor-element-20d49c5 e-con-full shared-layout printable-area-overwrite e-flex e-con e-parent\" data-id=\"20d49c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c4ae37e elementor-widget elementor-widget-title-section\" data-id=\"c4ae37e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"title-section.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"title-section  \"  data-target=\"frequently-asked-questions\">\r\n\t\t\t\t\t\t\t<h1 class=\"shared-title\" id=\"frequently-asked-questions\">Frequently asked questions<\/h1>\r\n\t\t\t\t\r\n\t\t\t\t\t<\/div>\r\n\r\n\t\t<style>\r\n\t\t\t.title-section.no-title .shared-title {\r\n\t\t\t\tmargin-bottom: 0;\r\n\t\t\t}\r\n\r\n\t\t.title-section.has-subtitle .shared-title {\r\n\t\t\tmargin-bottom: max(12px, 0.833vw); \r\n\t\t}\r\n\r\n\r\n\t\t<\/style>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bddb06 elementor-widget elementor-widget-link\" data-id=\"1bddb06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"link.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<a alt=\"Read more\" href=\"\/edu\/pyetjet-me-te-shpeshta\/?lang=en\" class=\"shared-arrow-link-edu\">See more\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"6.4\" height=\"11.4\" viewBox=\"0 0 6.4 11.4\">\r\n\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=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"><\/path>\r\n\t\t\t\t<\/svg>\r\n\t\t\t<\/a>\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-2993f71 e-con-full shared-layout printable-area-overwrite e-flex e-con e-parent\" data-id=\"2993f71\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4dfe4d6 elementor-widget elementor-widget-faq-wrapper\" data-id=\"4dfe4d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"faq-wrapper.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"faq-wrapper\">\r\n                                    <div class=\"faq-wrapper-accordion\">\r\n                        <div class=\"faq-wrapper-accordion-title\">\r\n                            <h2 id=\"how-can-i-contact-the-central-bank-of-the-republic-of-kosovo\">How can I contact the Central Bank of the Republic of Kosovo?<\/h2>\r\n                            <span class=\"faq-wrapper-accordion-icon\">\r\n                                <svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n                                    <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=\"#001d3d\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n                                <\/svg>\r\n                            <\/span>\r\n                        <\/div>\r\n                        <div class=\"faq-wrapper-accordion-content\">\r\n                            <div class=\"faq-wrapper-accordion-paragraphs\">\r\n                                <p>You can contact the Central Bank of the Republic of Kosovo through:<\/p><p>E-mail: <a href=\"mailto:info@bqk-kos.org\">info@bqk-kos.org<\/a><\/p><p>Phone No.: <a href=\"tel:+38338222055\">+383 38 222 055<\/a><\/p><p>Official mail at:\u00a0<em>Str. Garibaldi, No. 33 Prishtina, Kosovo<\/em>.<\/p>                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"faq-wrapper-accordion\">\r\n                        <div class=\"faq-wrapper-accordion-title\">\r\n                            <h2 id=\"can-i-open-an-account-or-get-a-loan-at-cbk\">Can I open an account or get a loan at CBK?<\/h2>\r\n                            <span class=\"faq-wrapper-accordion-icon\">\r\n                                <svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n                                    <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=\"#001d3d\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n                                <\/svg>\r\n                            <\/span>\r\n                        <\/div>\r\n                        <div class=\"faq-wrapper-accordion-content\">\r\n                            <div class=\"faq-wrapper-accordion-paragraphs\">\r\n                                <p>No. The Central Bank of the Republic of Kosovo is not a commercial bank. It does not provide banking services, it does not open accounts nor accepts deposits from the general public. CBK licenses, supervises and regulates financial institutions operating in the country.<\/p>                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"faq-wrapper-accordion\">\r\n                        <div class=\"faq-wrapper-accordion-title\">\r\n                            <h2 id=\"which-are-the-financial-institutions-that-are-licensed-supervised-and-regulated-by-cbk\">Which are the financial institutions that are licensed, supervised and regulated by CBK?<\/h2>\r\n                            <span class=\"faq-wrapper-accordion-icon\">\r\n                                <svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n                                    <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=\"#001d3d\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n                                <\/svg>\r\n                            <\/span>\r\n                        <\/div>\r\n                        <div class=\"faq-wrapper-accordion-content\">\r\n                            <div class=\"faq-wrapper-accordion-paragraphs\">\r\n                                <p>The Central Bank of the Republic of Kosovo (CBK) has exclusive responsibility for licensing\/registering, supervising and regulating financial institutions: banks, insurers, pension funds, microfinance institutions, non-bank financial institutions, insurance intermediaries, claim handlers and other legal entities which exercise financial activities as defined by the legislation in force in the Republic of Kosovo.<br \/>These are the financial institutions licensed\/registered by the CBK to exercise financial activity in the Republic of Kosovo: <a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/ENG-Lista-e-institucioneve-financiare-12.02.2024.pdf\">here<\/a><\/p>                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"faq-wrapper-accordion\">\r\n                        <div class=\"faq-wrapper-accordion-title\">\r\n                            <h2 id=\"where-can-i-get-information-regarding-the-licensing-of-a-financial-activity\">Where can I get information regarding the licensing of a financial activity?<\/h2>\r\n                            <span class=\"faq-wrapper-accordion-icon\">\r\n                                <svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n                                    <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=\"#001d3d\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n                                <\/svg>\r\n                            <\/span>\r\n                        <\/div>\r\n                        <div class=\"faq-wrapper-accordion-content\">\r\n                            <div class=\"faq-wrapper-accordion-paragraphs\">\r\n                                <p>Those interested to be licensed to exercise financial activity in the Republic of Kosovo are initially advised to read the relevant licensing manuals and frequently asked questions then to contact the Licensing and Standardization Department directly at the CBK for scheduling the informative meeting, which must be held before starting with the application process.<br \/>For more information please refer to the CBK\u2019s official website, namely the Financial Licensing menu: <a href=\"https:\/\/bqk-kos.org\/mbikeqyrja-financiare\/licencimi-i-institucioneve-financiare\/?lang=en\">https:\/\/bqk-kos.org\/mbikeqyrja-financiare\/licencimi-i-institucioneve-financiare\/?lang=en<\/a><\/p>                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"faq-wrapper-accordion\">\r\n                        <div class=\"faq-wrapper-accordion-title\">\r\n                            <h2 id=\"where-and-how-can-i-get-my-credit-history-credit-status\">Where and how can I get my credit history\/credit status?<\/h2>\r\n                            <span class=\"faq-wrapper-accordion-icon\">\r\n                                <svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n                                    <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=\"#001d3d\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n                                <\/svg>\r\n                            <\/span>\r\n                        <\/div>\r\n                        <div class=\"faq-wrapper-accordion-content\">\r\n                            <div class=\"faq-wrapper-accordion-paragraphs\">\r\n                                <p>To be informed in more detail about your credit status, you must first apply for a credit report, which can be done in 3 ways:<\/p><p>Application to the Central Bank of the Republic of Kosovo, every working day from 8:00 to 12:00 and from 13:00 to 16:00 - shall be accompanied by a copy of the ID card and the application form for the credit report which is taken at CBK or downloaded from the CBK\u2019s official website: here<\/p><p>Application to any of the branches of commercial banks and through the citizen portal\u00a0<a href=\"http:\/\/www.raportikreditor.org\/\">http:\/\/www.raportikreditor.org\/\u00a0<\/a>where,\u00a0 after being registered, the registration form and copy of the ID card shall be printed and brought to the CBK.<\/p><p>Following is the link where you can get more detailed information about the credit report application: <a href=\"https:\/\/bqk-kos.org\/?lang=en\">https:\/\/bqk-kos.org\/?lang=en<\/a> whereas following that is the link where you can find the instructions to be followed in case of disputing the data in the Credit Registry system <a href=\"https:\/\/bqk-kos.org\/operacionet-bankare\/regjistri-i-kredive\/raporti-kreditor\/?lang=en\">https:\/\/bqk-kos.org\/operacionet-bankare\/regjistri-i-kredive\/raporti-kreditor\/?lang=en<\/a><\/p><p>We also would like to inform you that the client's history in the CBK Credit Registry is presented in the credit report in accordance with the applicable regulation. Once the criteria are met, the system automatically removes the historical information from being presented in the credit report.<\/p><p>*CBK does not place any client in any category and makes no change or removal of information.<\/p>                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"faq-wrapper-accordion\">\r\n                        <div class=\"faq-wrapper-accordion-title\">\r\n                            <h2 id=\"can-the-credit-history-be-improved\">Can the credit history be improved?<\/h2>\r\n                            <span class=\"faq-wrapper-accordion-icon\">\r\n                                <svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n                                    <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=\"#001d3d\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n                                <\/svg>\r\n                            <\/span>\r\n                        <\/div>\r\n                        <div class=\"faq-wrapper-accordion-content\">\r\n                            <div class=\"faq-wrapper-accordion-paragraphs\">\r\n                                <p>Data storage in the credit history system of each client is determined by the respective regulations and cannot be corrected except for special cases when there is an error in reporting.<\/p><p>Based on the Instruction on Credit Registry\u00a0<strong>(<a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/Udhezimi-i-Regjistrit-te-Krediveshkurt20.pdf\">Credit Registry\u00a0<\/a>)<\/strong>, respectively Article 13, credit data shall be kept for up to five (5) years after the last update, with the remaining amount zero. Loans classified in the category W shall be submitted up to seven (7) years after the last update with the remaining amount zero. After this period, the data shall be archived. As for updating the data, you can refer to Article 5 of this instruction.<\/p><p>Bazuar n\u00eb Udh\u00ebzimin e Regjistrit t\u00eb Kredive (Regjistri i Kredive), p\u00ebrkat\u00ebsisht nenin 13, t\u00eb dh\u00ebnat kreditore do t\u00eb mbahen deri n\u00eb pes\u00eb (5) vite pas p\u00ebrdit\u00ebsimit t\u00eb fundit me shum\u00ebn e mbetur zero. Kredit\u00eb e klasifikuara n\u00eb kategorin\u00eb W do t\u00eb paraqiten deri n\u00eb shtat\u00eb (7) vite pas p\u00ebrdit\u00ebsimit t\u00eb fundit me shum\u00ebn e mbetur zero. Pas k\u00ebsaj periudhe t\u00eb dh\u00ebnat do t\u00eb arkivohen. Nd\u00ebrsa sa i p\u00ebrket p\u00ebrdit\u00ebsimit t\u00eb t\u00eb dh\u00ebnave mund t\u2019i referoheni nenit 5 t\u00eb k\u00ebtij udh\u00ebzimi.<\/p>                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"faq-wrapper-accordion\">\r\n                        <div class=\"faq-wrapper-accordion-title\">\r\n                            <h2 id=\"how-is-the-credit-history-created\">How is the credit history created?<\/h2>\r\n                            <span class=\"faq-wrapper-accordion-icon\">\r\n                                <svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n                                    <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=\"#001d3d\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n                                <\/svg>\r\n                            <\/span>\r\n                        <\/div>\r\n                        <div class=\"faq-wrapper-accordion-content\">\r\n                            <div class=\"faq-wrapper-accordion-paragraphs\">\r\n                                <div class=\"panel panel-default\"><div id=\"collapse-2148\" class=\"panel-collapse collapse in\" role=\"tabpanel\" aria-labelledby=\"heading-2148\" aria-expanded=\"true\"><div class=\"panel-body\"><p>Credit history is the history of debt payments repayment for each credit product you owe to the bank. Credit providers are required to provide for the Credit Registry accurate, complete and timely information on each credit product of their clients.<\/p><\/div><\/div><\/div>                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                            <\/div>\r\n                        <div class=\"shared-pagination faq-wrapper-accordion\">\r\n                <ul>\r\n                                            <li class=\"active-page\">\r\n                            <a alt=\"Wrapper new page\" href=\"https:\/\/bqk-kos.org\/edu\/wp-json\/wp\/v2\/pages\/942\/\">1<\/a>\r\n                        <\/li>\r\n                                                <li class=\"\">\r\n                            <a alt=\"Wrapper new page\" href=\"https:\/\/bqk-kos.org\/edu\/wp-json\/wp\/v2\/pages\/942\/page\/2\/\">2<\/a>\r\n                        <\/li>\r\n                                                <li class=\"\">\r\n                            <a alt=\"Wrapper new page\" href=\"https:\/\/bqk-kos.org\/edu\/wp-json\/wp\/v2\/pages\/942\/page\/3\/\">3<\/a>\r\n                        <\/li>\r\n                                                <li class=\"\">\r\n                            <a alt=\"Wrapper new page\" href=\"https:\/\/bqk-kos.org\/edu\/wp-json\/wp\/v2\/pages\/942\/page\/4\/\">4<\/a>\r\n                        <\/li>\r\n                                        <\/ul>\r\n            <\/div>\r\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. 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