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About Us


EKI (Microcredit Foundation EKI and Microcredit Company EKI) is today one of the leading microcredit institutions in BiH, and currently has more than 40,000 customers who use loans in the value of over 120 million BAM.


EKI's loans and services aim to start up and improve agriculture, small business and commercial activities.


Since the beginning of its operations, EKI has been working on creating a strong and financially sustainable institution that will reinvest its profit into additional loan capital.


Click here to go to EKI's website


Microcredit Foundation EKI (MCF EKI) was established as a result of the Micro-Credit Program of World Vision International (WVI) in 1996. The first branch office of the WVI Micro-Credit Programs WVI was started in Zenica, and four years later WVI expanded their operations at seven more locations in the Federation and the Republic of Srpska.


In March 2001, a local microcredit organization was registered under the name Microcredit Organization EKI (MCO EKI). It operated under that name until 2008 when the Microcredit Organization EKI changed registration title into a Microcredit Foundation EKI and it operates under that same name until today and has 69 EKI branch offices with over 280 employees.

Mission and Vision


We are a non-profit microcredit organization which respects its clients, passes flexible decisions and undertakes reasonable risks. We are a decentralized organization with motivated, devoted and professional staff and Board. We provide financial services and technical support to those who have no access to bank services or to businesses that are creating and sustaining jobs in the whole of BiH, wherever there is a need and opportunity.



To reduce economic causes of poverty in B&H.


EKI respects and embraces universal human values. EKI's committment to the bih people regardless of their nationality, religion, sex or age is rooted in these values that read as follows:


We value and appreciate people

We value and appreciate people, our clients, employees and the communities in which we live and work and we do not discriminate against anyone on the basis of race, gender, religious orientation, physical appearance, skills or their property and assets.

We demonstrate all this through our everyday behaviour, communication, policies and procedures, which will always reflect the transparent, efficient and effective use of resources.

We are committed to accountability in our operations with economically disadvantaged categories

We believe that the people who fight for a better life for their families by honest efforts in starting and running their own businesses represent a role model for the population of Bosnia and Herzegovina to look up to. We show this by taking acceptable risk in offering loans for business activities of persons who cannot provide the usual guarantees and while doing so we take special care not to overburden them with loans.

We are partners

We act as partners towards our clients and our employees.

We show this by always being ready to listen to them and act in a timely and cooperative manner in order to help them resolve their problems if we have the capacity.

We care for the community we live in

We care about the economic and general social trends in the communities we live and work in.

We show this by running our operations in way that ensures sustainable use of funds for business activities without weakening the social economy as a whole, without polluting the environment and by participating in socially responsible projects related to vulnerable categories, especially children.


The Board of Directors represents the top level of management of MCF EKI Sarajevo and the Board has seven members of whom two are representatives of World Vision International as the founder and 5 independent members:

  1. Dr. Richard Reynolds, Chairman Vision Fund International USA, Global Operation Director
  2. Sarah Bearup, Member and representative of the Founder World Vision International, BiH Country Director
  3. Seth Martin Cechetto, Member Banking expert, Retiree
  4. Nedim Bukvić, Member Independent consultant for International Development Activities
  5. Enes Drljević, Member Director of Development Agency NERDA
  6. Maja Ibrahimpašić, Member Independent consultant for International Development Activities
  7. Renato Zrnić, Member Economic and Social Development Consultant

Awards and Ratings

The awards for successful business, transparent approach and protection of clients, fair and correct relationship with employees, and many other awards are available in the MCF EKI Awards and Recognitions Gallery can be viewed at EKI's website.

Smart Campaign: Client Protection Certified, 2015