However, despite the  satisfactory trend of increasing bank lending, it is considered that the level of financial intermediation in Kosovo continues to be below the average of countries in the region, which indicates the possibility that this window and the KCGF is giving to increase the rate of financial intermediation in Kosovo. The opening of this window also plays an important role.
If this is not the case, the loan simply becomes a burden on the business and may contribute to its collapse. As such, basic financial literacy is essential if entrepreneurs are to be able to use finance constructively.