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Procreditbank (Banks)
Provide financing support to micro entrepreneurs as well as small and medium enterprises (SME), including physical authorized persons, family associations, SRL and other types of business activities. Applying a unique credit technology precisely tailored to the needs of our target group we aim to set new standards in business lending in Romania.

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 ProCredit Bank Romania is a development-oriented full-service bank. We offer excellent customer service and a wide range of banking products. In our loan operations, we focus on lending to micro, small and medium-sized enterprises, as we are convinced that these businesses create the largest number of jobs and make a vital contribution to the economies in which they operate. Our bank explicitly avoids all speculative lines of business and issues large loans only in exceptional cases, thus minimising the risk associated with such activities.
The shareholders of ProCredit Bank are renowned international institutions that share common values and strategic goals. As development-oriented investors they are committed to implement the New Development Finance approach which aims at building stable, efficient and target group oriented financial institutions. This approach is based on the conviction that only permanently viable financial institutions can assure the constant supply of financial services that micro entrepreneurs and SME need in order to grow and prosper.

The implementation of this proven successful approach to the complex problems of microfinance is characterized by the combination of two factors: capital and advice. Through equity participations in sound financial institutions that target micro entrepreneurs and small and medium sized enterprises our shareholders contribute to financial sector development.

Furthermore, they take an active role in supporting institutions like ProCredit Bank with know-how in banking technology, sound financial management and commitment to the target group. Their strong belief is that only committed investment, rather than silent equity participation or detached philanthropy will enhance the role of microfinance in contributing to the economic growth of the developing world.


KfW Group (Kreditanstalt für Wiederaufbau) founded in 1948, provides financial packages designed to stimulate economic, social and ecological development in countries from all over the world. The financial Institution focuses on the promotion of SME, the financing of housing construction and modernisation, protection of the environment and the climate, export and project finance and support for developing countries and transition economies.

DEG (Deutsche Investitions und Entwicklungsgesellschaft GmbH) is a key player in Germany's Development Co-operation activities and supports private sector development in Africa, Asia and Latin America, as well as in Central and Eastern Europe. DEG operates according to the principles of private sector ventures, which are beneficial to the development of the local economy.

The International Finance Corporation (IFC), a multilateral institution, promotes the development of the private sector in its developing member countries. A member of the World Bank Group, but legally and financially independent, IFC provides long-term loans and equity finance at market terms and conditions in support of private sector activities, helps mobilize additional financing from other sources and provides advisory services to both government and businesses. Since its founding in 1956, IFC has invested almost USD 30 billion of its own funds in more than 2,400 companies in 136 developing countries.

The European Bank for Reconstruction and Development (EBRD) was established in 1991. It aims to foster the transition towards open, market-oriented economies and to promote private and entrepreneurial initiative in the countries of Central and Eastern Europe and the Commonwealth of Independent States (CIS) committed to democracy, pluralism and market economics. The EBRD seeks to help its 27 countries of operations to implement structural and sector economic reforms, promoting competition, privatisation and entrepreneurship. In fulfilling its role as a catalyst of change, the Bank encourages co-financing and foreign direct investment from the private and public sectors, helps to mobilize domestic capital, and provides technical cooperation in relevant areas.

Internationale Micro Investitionen AG (IMI), founded in 1998 is a commercial development-oriented investment company. It has so far taken equity stakes in eighteen banks or financial institutions in developing countries and transition economies, to a value of EUR 40 million. IMI can be seen as the strategic investor in the ProCredit-network and as the headquarters of these individual banks. Its shareholders represent a 50:50 mix of private and public investors.

Commerzbank AG was established in 1870 and today is one of the top five banks in Germany. With a strong International network comprising 56 outlets in 43 countries, Commerzbank is a universal bank providing retail, wholesale and investment banking services. It also offers other financial services via a number of subsidiaries, such as leasing fund management, real estate and equity investment.

Internationale Projekt Consult GmbH (IPC) is a German consulting company which was founded in 1981 with the aim of developing and promoting a consulting concept designed to improve the opportunities for micro and small enterprises to gain access to formal financial services, and to bank loans in particular.

IPC�s philosophy is based on the concept of "development finance". This is generally used to describe efforts to promote financial systems in developing countries and transition economies in order to stimulate economic development.
I have been to Romania. I flew into Bucharest but spent most of my three weeks there in Brasov. I think of the streetchildren when I think of Romania, as well as the gypsy falemiis living beyond the outskirts of the cities. I would definitely recommend looking up the nearest gypsy villages and making the trek out to meet them. They are so sweet and so hungry for God's love. As far as gifts, there are so many neat handmade items you could buy there, both in the cities and out in villages as well. I'm sure you'll find something lovely.Praying for a safe trip filled with utterances of the glory of God!


Buzeşti Str., nr. 62-64, Sector 1, Bucuresti,
Tel: +4021-201 60 00
Fax: +4021-201 60 00
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