SME Financing and Credit Guarantees: Evidence and Design Lessons from Albania and the Western Balkans
This paper assesses the effectiveness of credit guarantee schemes (CGSs) as a
policy instrument to improve small and medium-sized enterprise...
This paper assesses the effectiveness of credit guarantee schemes (CGSs) as a
policy instrument to improve small and medium-sized enterprise...
Small and medium-sized enterprises (SMEs) account for a large share of
employment and credit portfolios, yet their failure dynamics are...
This paper examines how high-skill emigration (“brain drain”) affects firm
productivity in North Macedonia and whether employment policy...
AI-driven consumer behaviour modelling powers targeting, ranking,
recommendations, dynamic pricing, and churn prediction, but it...
E-commerce increases VAT compliance risks through high-volume, low-value
transactions, fragmented cross-border reporting, and...
Artificial intelligence (AI) is rapidly transforming accounting and audit functions through automation, anomaly detection, and predictive...
Entrepreneurial universities increasingly function as institutional coordinators
in innovation ecosystems by reducing commercialisation...
Platform-mediated business models have expanded the scale, speed, and crossborder footprint of taxable consumption while weakening...