P.A. 1 / S.O. 1.1 - N. 128


Cross-border Cooperation and Competitiveness for SMEs

Project Summary

The main goal of the project 3C4SME is the study of innovative approaches to credit access and their implementation in the involved territories; another objective is the creation of regulatory prerequisites enabling local public systems to transfer the new ways of accessing credit. To achieve these results, the project will verify the conditions to provide the Albanians and Montenegrin small and medium enterprises with a “cooperatives guarantee system”, a financial instrument that in Apulia and Molise has been facilitating the access of enterprises to bank funding, both for growth and management objectives.


Total budget 597.555,00 EUR
EU Contribution IPA co-financing 85%
Duration 2018 / 2020

Main Outputs

-    Pilot Action Experimentation on the application of a model of guarantee

-    Law proposal on implementation, changes and improvements of guarantee cooperatives

Project Partnership
Lead Partner
Unione Regionale dell'Artigianato e della Piccola Impresa Pugliese U.R.A.P. Confartigianato Imprese (IT) - Contacts: Dario Longo - confartigianato.puglia[at]
Project Partners
  1. Unione Interprovinciale degli Artigiani e delle Piccole Imprese delle Province di Campobasso ed Isernia (IT)
  2. Bashkia Fier (AL)
  3. Qendra Kombetare e Biznesit (AL)
  4. Opština Kotor (ME)
  5. Direkcija za razvoj malih i srednjih preduzeća (ME)