| To avoid undermining the culture of strict repayment discipline for loans and therefore the sustainability of the MFI, there must be a clear distinction between grant and microlending components. |
| There are several microlending programs available to small bussiness owners. |
| Donors also get involved in other projects with high social returns, such as microlending projects. |
| The microlending Market in Albania in this period can be categorized as very weak and undeveloped. |
| The microlending market developed in a similar cycle to development and changes in the banking system. |
| At the same time, credit unions and banks involved in microlending developed stronger monitoring techniques for their microcredit portfolios. |
