Partner Microcredit Foundation
Organisation general information
Organisation name: 
Partner Microcredit Foundation
Founding year: 
Bosnia and Herzegovina
Total number of staff: 
Resources dedicated to microfinance: 
Percentage of microfinance activities: 
Type of organisation: 
Non profit
Financial institution, Microfinance foundation
Organisation's contact person
Contact person: 
Ms. Sanja Paocic
15.maja bb, Trzni centar Sjenjak
Bosnia and Herzegovina
+387 35 300 281
+387 35 300 269
Organisation summary

Partner provides finance services to economically active populations who have difficult or no access to commercial funding sources, for start up and development of business and improvement of living quality.

We support micro entrepreneurs, promote participation of women in business and offer easier access to finance-services in rural areas.

Within the entire B&H, with door to door service, we provide good quality products and technical support, help the increase of living standard and increase employment by stimulating the transition to market economy.

The following goals will enable Partner to achieve its vision and mission in the planned period of five years:

  • Be a socially responsible service provider
  • Be a financially stable institution
  • Maintain the highest clients' satisfaction level
  • Be a reliable, process oriented organisation with a client-focused approach
  • Be an institution adopting new knowledge
Type of intervention: 
  • Loans
Countries of intervention: 
Areas of intervention: 
  • Macro level: Client protection, Supporting networks and associations, Strengthening national/regional microfinance support sector, Capacity building (focused on all MFIs), Non-prudential regulation
  • Intermediate level: Rural finance, Value chain development, Business development services, Social impact/performance, Environmental microfinance, Youth
  • Micro level: Capital/equity investments, Financial product development and innovation, Energy products, or other products related to environmental issues, Delivery models (group, indiv.), Performance (financial and social), Ratings and external audits, Strategic planning, Marketing, Graduation of MFIs, Risk management, Management information systems
  • Other themes: Impact and performances studies, Sector mapping, Evaluation
Main competences: 

During the 19 years of its work, Partner has developed different skills and expertise among its employees.  Therefore, the key success factors are the following:

  • Quality of provided service to the client
  • Orientation to the client
  • Commitment to the mission
  • 19 years of expertise in micro crediting
  • Service distribution channel through own sales network and cashiers
  • Size of capital
  • Educated staff
  • Good business relations with non government sector and international organisations
  • Recognisable Partner image in micro finance industry


Partner continuously educates its staff in order to provide high quality services for clients, as well as technical assistance, as a value-added service. Partner employs technical assistants in order to assist people in starting agricultural businesses and also provides assistance regarding energy efficiency issues through the project "Solar Energy, as the Future of Sustainable Development".

Please indicate any innovations in your microfinance program planned for the coming year: 

In the following period, Partner will maintain the existing target population, including economically active micro entrepreneurs and households with difficult or no access to the commercial banks. Beside business start up loans or loans for spreading of businesses, Partner intends to continue to offer the clients loans for use of alternative energy sources and household energy efficiency improvement. This decision is based on the fact that micro enterprises in BiH use outdated or used equipment, while families mainly live in houses or apartments without appropriate insulation of heating/cooling system (over 80% of buildings in BiH [1]). The majority of used energy in households goes for heating and lights.

The level of energy consumption indicates the living standard, so it may be used as the indicator that some BiH citizens live below the poverty line. Low income populations use less energy than what is needed to meet their basic needs. The usage of wood for heating is very common in BiH, particularly in poor households. Energy used by households and the commercial sector is used (mostly) for heating (heating and the treatment of water and cooking), lights as well as electrical appliances and equipment[2].

[1] Source:

[2]Strategic plan and programme for development of energy sector of the Federation of Bosnia and Herzegovina, Ministry of energy, mining and industry of the Federation of Bosnia and Herzegovina and expert group, 2008.

Partner Microcredit Foundation's picture