How much financing do banks provide to microbusinesses? - BoA: 30.6 billion lek loans in November to support their activity
Lending to microbusinesses remained at high rates even at the end of 2025. According to official data from the Bank of Albania, banks provided 30.6 billion lek in loans to microbusinesses during November, marking a slight increase compared to October 2025, when the loan volume was 30.4 billion lek.
The monthly increase, although modest, indicates that the demand for financing from microbusinesses remains stable, despite the economic climate and financing costs. The difference of about 200 million lek between the two months signals a positive but controlled trend, reflecting more stability than a rapid expansion of borrowing.
What is hidden behind these figures?
In November, a large portion of microbusiness loans were used for working capital, to cover daily business needs, supplies, and operating payments, especially in the run-up to the holiday season. At the same time, loans for small investments continued, mainly for equipment and modest capacity expansion.
On the banks' side, the slight increase in lending is related to the good liquidity of the banking system and more flexible policies for small businesses, which constitute an important segment of the economy. Banks are showing greater willingness to finance microbusinesses, which play a key role in employment and local economic activity.
In broader terms, the data confirms that the end of 2025 finds lending to microbusinesses on a stable growth trajectory, without strong monthly fluctuations. This suggests that small businesses are carefully planning their borrowing and avoiding excessive exposure to financial risk.
In conclusion, the increase from 30.4 billion lek in October to 30.6 billion lek in November shows that, although the pace is subdued, lending to microbusinesses remains active, reflecting cautious confidence on the part of both banks and businesses themselves.
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