KEP Trust
- Company typePrivate
- Founded1999
- HeadquartersKosovo
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
KEP Trust firmographics
Firmographics- Name
- KEP Trust
- Legal name
- KEP Trust
- Website
- https://keptrust.org
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
KEP Trust industry classification
Industry- Product category
- Microfinance
- NAICS
- Depository Credit Intermediation (5221)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
- akta.pro secondary industries
- Microloans & Working Capital Loans (FSAKAGAA), Agricultural & Rural Microfinance (FSAKAGAG)
Keywords
Where KEP Trust is headquartered
LocationHeadquarters
- HQ city
- Kosovo
Offices30 records
Markets served
KEP Trust business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Microfinance Interest Income: KEP Trust generates revenue primarily through interest income from its various microfinance loan products including SME loans, express loans, agro loans, housing loans, and consumer loans. Interest rates vary by product type and loan amount.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Multi-year contract | SME Loans up to €25,000 |
| Unit Pricing | Multi-year contract | Express Business Loans up to €3,000 |
| Unit Pricing | Multi-year contract | Express Consumer Loans €200-€2,000 |
| Unit Pricing | Multi-year contract | Express Home Improvement Loans €200-€3,000 |
| Unit Pricing | Multi-year contract | Housing Loans €3,000-€25,000 |
| Unit Pricing | Multi-year contract | Super Express Loans up to €3,000 |
| Unit Pricing | Multi-year contract | Agro Loans |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
KEP Trust product offering
Product offeringCore offering
KEP Trust is Kosovo's largest microfinance institution, providing a portfolio of eight loan products (SME, business, express, consumer, agro, housing, and home improvement loans) to micro, small, and medium enterprises (MSMEs), women entrepreneurs, farmers, and underserved individuals. The institution distributes its products through 31 physical branches across Kosovo complemented by an online application platform and iOS/Android mobile apps, with loan approvals typically processed within 24 hours.
Product overview
KEP Trust operates as a microfinance institution offering a portfolio of eight distinct loan products. The product suite includes Super Express Loan for quick cash needs (up to €3,000), Express Consumer Loan for personal expenses (€200-€2,000), Express Business Loan and Business Loan for enterprise financing (up to €25,000), Housing Loan for residential needs (€3,000-€25,000), SME Loans for registered small and medium enterprises (€5,001-€25,000), Agro Loan for agricultural purposes (up to €7,500 without collateral), and Express Loan for Home Improvement (€200-€3,000). All products feature rapid 24-hour approval processing. The company also provides an online application platform and mobile application for iOS and Android.
Differentiator
Problem solved
Functional benefit
Products and services
- Super Express Loan (Super Ekspres Kredi)
Quantifiable outcome
- Over 38,148 active clients
- +3 more outcomes
Companies that use KEP Trust
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
KEP Trust technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
KEP Trust partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights6 records
KEP Trust competitors and assessment
Company assessmentDirect peers
- FINCA Kosovo: FINCA Kosovo is a direct microfinance peer operating in Kosovo, serving micro and small entrepreneurs with similar loan products. Both institutions compete for the same underbanked MSME customer base, making FINCA the most comparable local competitor to KEP Trust.
- KRK (Kreditimi Rural i Kosovës): KRK is a Kosovo-based microfinance institution focused on rural and agricultural lending, overlapping directly with KEP Trust's Agro Loan product and rural branch presence. Comparable in mission (financial inclusion of underserved rural populations) and product offering.
Broad incumbents
- ProCredit Bank Kosovo: ProCredit Bank Kosovo is a full-service commercial bank with a strong SME and small-business lending focus. While broader than KEP Trust, it competes for the same MSME borrowers that KEP targets with its SME and Business Loan products.
- Raiffeisen Bank Kosovo: Raiffeisen Bank Kosovo is one of the largest banks in Kosovo offering consumer, housing, and SME loans. It competes with KEP Trust across several product categories (housing, consumer, SME) but operates as a deposit-taking commercial bank rather than a pure MFI.
- NLB Banka Prishtina: NLB Banka is a major Kosovo commercial bank offering retail and SME lending products. It overlaps with KEP Trust on consumer and SME loan segments, but as a deposit-taking institution with a broader product portfolio including payment services.
- TEB Bank Kosovo: TEB Bank is a leading commercial bank in Kosovo providing consumer, housing, and SME loans. It is one of three banks where KEP Trust holds operational customer accounts, illustrating close market overlap and competition in MSME and consumer lending.
- BpB (Banka për Biznes): BpB is a Kosovo-focused commercial bank specializing in SME and business banking. It directly competes with KEP Trust's SME lending franchise while offering deposit and treasury services beyond an MFI's scope.
Emerging players
- FINCA International: FINCA International is the parent microfinance network of FINCA Kosovo. Relevant as a global MFI platform for benchmarking capital structures, product design, and impact measurement standards comparable to KEP Trust's microfinance model.
- Opportunity International: Opportunity International is a global microfinance organization serving underserved entrepreneurs across emerging markets. While not directly competing in Kosovo today, it represents a comparable peer operating model for impact-focused microfinance lending at scale.
Others
- European Investment Fund (EIF): EIF is the EU's specialist financing arm for SMEs and microfinance. KEP Trust is an EIF partner (1,400+ clients benefited from the 2023 agreement). EIF is not a competitor but a key counterparty/funder, making it a relevant ecosystem participant comparable to EBRD in KEP's funding stack.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
KEP Trust social profiles
Digital presenceKEP Trust financial estimates
Financial estimateRevenue estimate
Valuation estimate
KEP Trust leadership team
Management profileNumber of profiles
Profiles1 record
KEP Trust funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
KEP Trust M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about KEP Trust
What does KEP Trust do?
KEP Trust is Kosovo's largest microfinance institution, providing a portfolio of eight loan products (SME, business, express, consumer, agro, housing, and home improvement loans) to micro, small, and medium enterprises (MSMEs), women entrepreneurs, farmers, and underserved individuals. The institution distributes its products through 31 physical branches across Kosovo complemented by an online application platform and iOS/Android mobile apps, with loan approvals typically processed within 24 hours.
Is KEP Trust a public or private company?
KEP Trust is a private company. It is classified as unknown and is currently operating.
When was KEP Trust founded?
KEP Trust was founded in 1999. It employs 251 to 500 people.
Where is KEP Trust based?
KEP Trust is headquartered in Kosovo.
How does KEP Trust make money?
One revenue line is on record: microfinance Interest Income.
Who are KEP Trust's main competitors?
Direct peers on record are FINCA Kosovo and KRK (Kreditimi Rural i Kosovës). Broad incumbents are ProCredit Bank Kosovo, Raiffeisen Bank Kosovo, NLB Banka Prishtina, TEB Bank Kosovo and BpB (Banka për Biznes). Emerging players are FINCA International and Opportunity International. European Investment Fund (EIF) is listed as an others.
Does KEP Trust have an API?
No public API is recorded for KEP Trust.
What industry is KEP Trust in?
KEP Trust's product category is Microfinance. Its primary akta.pro industry code is FSAKAGAB, SME Term Loans & Growth Capital, with a secondary code of FSAKAGAA, Microloans & Working Capital Loans. Its NAICS code is 5221 and its SIC code is 6153.