Project:                       “3C4SME – Cross‐border Cooperation and Competitiveness for SMEs”


Lead Partner:            Confartigianato Puglia (Craftsmen and SMEs Association)


Project Partners:     -    Confartigianato Molise (Craftsmen and SMEs Association)

  • Directorate for development of SME Montenegro
  • Kotor Municipality
  • Fier Municipality
  • Qendra Kombëtare e Biznesit (QKB)


Project Duration:      24 months



Project Summary:


The main objective of the project is the study on innovative approaches to credit access and the implementation of the same in the involved territories in the project, in order to enable the business groëth (entrepreneurship). Also, another main objective is to create regulatory prerequisites to alloë local public systems to transfer the neë ëays of accessing credit.


The aim of the project is to verify the conditions to provide to the Albanians and Montenegrin small enterprises a financial instrument “cooperatives guarantee system”, that in Apulia and in Molise has been facilitating the enterprises’ access to the bank funding, both for the growth and the management.



Project Main Outputs:


Pilot Action Experimentation on the application of a model of guarante


Law proposal on implementation,changes and improvements of guarantee cooperatives