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ENDRI BJIR Maj 2019.Indd Vol. 5, No. 1 May, 2019 9 1 0 2 y a M 1 . o N , 5 . l o V IIPCCL Graz, Austria ISSN 2410-759X Balkan Journal of Interdisciplinary Research Vol. 2 No. 1 AccesISSN 2410-759Xonline at www.iipccl.org IIPCCLBalkan Publishing, Journal of Interdisciplinary Tirana-Albania Research May,Vol. 5 2016No.1 Acces online at www.iipccl.org IIPCCL Publishing, Graz-Austria May, 2019 INTENATIONAL INSTITUTE FOR PRIVATE COMMERCIAL AND COMPETITION LAW (IIPCCL) IIPCCLIIPCCL PUBLISHING, PUBLISHING, TIRANA-ALBANIA Graz-Austria Balkan Journal of Interdisciplinary Research ISSN 2410-759X (print) ISSN 2411-9725 (online) Vol.Vol 5,2, No.No. 1 1- May 20192016 Graz,Tirana,Tirana, Austria Albania 20162019 2017 1 1 ISSN 2410-759X Balkan Journal of Interdisciplinary Research Vol. 2 No. 1 Acces online at www.iipccl.org IIPCCL Publishing, Tirana-Albania May, 2016 ISSN 2410-759X Balkan Journal of Interdisciplinary Research Vol. 5 No.1 Acces online at www.iipccl.org IIPCCL Publishing, Graz-Austria May, 2019 Assoc. Prof. Endri Papajorgji Dr. Angelika Kogler Dr. Dejan Vujtan Vol.Vol 2,5, No. 11 - MayMay 20192016 This work is licensed under a CC License of Attribution-Noncommercial-Noderivatives 4.0 International (CC BY-NC-ND 4.0). Based on a work at iipccl.org. This Journal is published in Partnership with Tirana Business University College. PUBLISHER © IIPCCL- International Institute for Private, Commercial and Competition Law Schönbrunngasse 12, 8043 Graz, Austria Email: [email protected], [email protected] Web: http://www.iipccl.org/ This Journal is printed for IIPCCL by Drimm Publishing House Vienna, Austria 2 2 ISSN 2410-759X Balkan Journal of Interdisciplinary Research Vol. 5 No.1 Acces online at www.iipccl.org IIPCCL Publishing, Graz-Austria May, 2019 Balkan Journal of Interdisciplinary Research VolVol 2, 5, No. No. 11 -- MayMay 20192016 ISSN 2410-759X (print) ISSN 2411-9725 (online) About the Journal Balkan Journal of Interdisciplinary Research is an international peer- reviewed journal published three times a year by International Institute for Private, Commercial and Competition Law. The need for different approaches in science, such as in business, economics, law, social sciences and other fields is a must in the whole field of scientific research. Academics, Professors, Researchers, Students and the whole world is in a new era of communication, which causes fast changes and gives birth to scientific and cultural debates. Our Journal is interested in promoting the exchange of idea, and to bring together researchers and academics from all over the countries. In this sense, we welcome papers not only in the above cited fields, but also in other fields of scientific research. Welcome to BJIR, which is open for the academic world, universities, research institutions, PhD students, academic and non-academic researchers. Aiming at scientific excellence and quality, this journal will promote the best inputs in scientific- and academic research, on the prospective of local, international, global developments in business, economics, law, social-, but also natural sciences. All manuscripts will be double blind peer reviewed by the members of the editorial board who are noted experts in the appropriate subject area. Editor in Chief, Assoc. Prof. Dr. (PhD Uni Graz) Endri Papajorgji 3 ISSNISSN 2410-759X2410-759X BalkanBalkan Journal Journal of Interdisciplinary of Interdisciplinary Research Research Vol.Vol. 2 5No. No.1 1 AccesAcces online atat www.iipccl.orgwww.iipccl.org IIPCCLIIPCCL Publishing, Publishing, Tirana-Albania Graz-Austria May,May, 20162019 Balkan Journal of Interdisciplinary Research Editor inin Chief, chief, Prof.assoc. Assoc. Prof. Dr. Dr. PhD(PhD (Uni Uni Graz) Endri Endri Papajorgji Papajorgji Tirana Business University International Editorial Board Prof. Dr. Jürgen Wolfbauer Prof. Dr. Ilia Kristo Montanuniversitaet Leoben (Austria) University of Tirana (Albania) Prof. Dr. Rajmonda Duka Prof. Dr. Azem Hajdari University of Tirana (Albania) University of Pristina (Kosovo) Prof. Dr. Horst-Dieter Westerhoff Prof. Dr. Abdylmenaf Bexheti Universität Duisburg-Essen (Germany) University of SEEU (Macedonia) Dr. Afërdita Berisha-Shaqiri Prof. Dr. Joseph Mifsud University of Pristina (Kosovo) University of East Anglia, London (UK) Dr. Mladen Andrlic Prof. Dr. Lindita Milo-Lati Croatian Diplomatic Academy (Croatia) University of Tirana (Albania) Prof. Ass. Dr. Naim Baftiu Dr. Hans-Achim Roll University of Prizren (Kosovo) Rechtsanwalt (Germany) Prof. Dr. Iraj Hashi Prof. Ass. Dr. Evis Kushi Staffordshire University (UK) University of Elbasan (Albania) Prof. Dr. Nabil Ayad Prof. Dr. Mimoza Karagjozi (Kore) University of East Anglia, London (UK) University of Tirana (Albania) Dr. Eda Bezhani Prof. Em. Heinz Dieter Wenzel University of Durres (Albania) University of Bamberg (Germany) Prof. Ass. Dr. Arsena Gjipali PhD (Argosy University) Gerti Dajçi University of Tirana (Albania) Tirana Business University (Albania) Prof. Dr. Bektash Mema Dr. Sasha Dukoski University of Gjirokastra (Albania) University of Bitola (Macedonia) 4 ISSN 2410-759X Balkan Journal of Interdisciplinary Research Vol. 5 No.1 Acces online at www.iipccl.org IIPCCL Publishing, Graz-Austria May, 2019 TABLE OF CONTENTS The impact of microfi nance institutions in Kosovo society ..................................7 Blerta Aliu Teoria e atashimit te nenes me femij en sipas john bowlbyTe menduarit feminor, prespektivat dhe arritjet .............................................................................14 Jonida Cerekja Koncepti mbi shtetin sipas teorisë së kontratës ....................................................25 Abla Xhaferi Modern Trends in English Language Teaching .....................................................37 Kadri Krasniqi The Process of Legal Approximation with EU Acquis in Republic of Kosovo .......................................................................................................................47 Qëndresa Hyseni The emergence of the concept of rape as an atrocity in international law .......61 Agim Nuhiu Ajten K. Ramadani Albanian MAPs Sector development with focus on international trade ..........74 Merita Gecaj Mësimdhënia e diferencuar në përvetësimin e gjuhës së huaj ..........................81 Sidorela Bushataj The support of Italy in the proclamation of the Albanian monarchy in 1928..........................................................................................................88 Antoneta Hoxha Pasojat psikologjike të fëmij ëve të lindur në një familje me nënën toksikomane ...................................................................................................100 Valbona Kaja Astrit Bali Swiss Citizenship .......................................................................................................106 Tanusha Selimi Darjel Sina 5 ISSN 2410-759X Balkan Journal of Interdisciplinary Research Vol. 5 No.1 Acces online at www.iipccl.org IIPCCL Publishing, Graz-Austria May, 2019 6 ISSN 2410-759X Balkan Journal of Interdisciplinary Research Vol. 5 No.1 Acces online at www.iipccl.org IIPCCL Publishing, Graz-Austria May, 2019 The impact of microfi nance institutions in Kosovo society Blerta Aliu Abstract Microfi nance is increasingly being considered as one of the most eff ective tools of reducing poverty. It has a signifi cant role in bridging the gap between the formal fi nancial institutions and the rural poor. Historically, microfi nance institutions have played the role of catalyst for certain categories of population that have been excluded from the fi nancial support of other institutions. The economy of Kosovo is a transitional economy. The primary sector is based on small to medium-sized family-owned dispersed units. Bearing in mind that in Kosovo, the population still faces a relatively high level of unemployment (around 30.7% based on KAS -Kosovo Agency of Statistics, Labor Force Survey Q3 2018) it is worth noting that the importance of these institutions can be signifi cant. Through fi nancial assistance from these institutions, people can build assets, create new jobs and increase their livelihoods. As these institutions in our country are regulated by CBK and their main goal is to provide access to fi nancial services in the social aspect, I found it reasonable that through this research to highlight their impact in our society. Within the framework of the research, will be addressed the impact of the microfi nance institutions operating in Kosovo. In the fi rst part of this paper is described what microfi nance is, which are benefi ts of it and the development of microfi nance sector in Kosovo. Meanwhile, the second part belongs to the empirical analysis carried out to fulfi ll the purpose of this paper. Through descriptive and comparative statistics, this research emphasizes the impact of these institutions to the fi nancial support provided to this category of population and their impact on Kosovo society. Keywords: impact, microfi nance, Kosovo, society, loan, employment. Introduction Microfi nance, also called microcredit , is a type of banking service that is provided to unemployed or low-income individuals or groups who otherwise would have no other access to fi nancial services. Ultimately, the goal of microfi nance is to give impoverished people an opportunity to become self-suffi cient. 1 Microfi nance institutions or MFIs, come in all shapes and sizes. They can diff er in scale, experience, legal statute, strategy and budget.2 Additionally, the goals for microfi nance institutions, and hence the function of microfi nance
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