1. ALBANIAN
SAVING AND CREDIT
UNION
12 YEARS RURAL CREDIT

2. ALBANIA SAVING and CREDIT UNION MAIN INDICATORS (September 2004)
Number of SCAs 89
Number of members of SCA
10 228
Number of districts 8
Number of villages
378
Savings
USD
Outstanding loan portfolio (USD)
USD
Portfolio at risk >30 days
<1%
Operational sustainability
120%
Other services to members
Training
Financial advice
Audit
Beneficiaries
Rural areas inhabitants

3. Representation of SCAs Financial Services Marketing and Communication
FUNCTIONS OF ASC UNION
Representation of SCAs
Financial Services
Marketing and Communication
Training and Assistance
Auditing Services
MEMBERS
MEMBERS
MEMBERS

4. REGULATION & SUPERVISION
The activity is based on:
Law for SCA-s
License from Bank of Albania
Prudential rules of BoA
Internal Regulations
The activity is supervised by:
Bank of Albania
Supervisory Committees of SCAs and Union
Internal and External Audit

5. Administrative sustainability
640 Elected Volunteers
42 Employed Staff
20 No. of Villages / No. of CO
174 Active clients / No. of Staff
406 Active clients / No. of CO
914 Active clients / Branches
USD Outstanding Portfolio / No.CO

6. Challenges for the next years
Expansion of services to members
Improvement of communication and technology
Extension of the network
Attainment of the financial sustainability