At the regional conference MicroBalkans 2025, held in Dubrovnik, Croatia, from 5 to 7 November, the panel discussion “Harmonizing Legal Frameworks with EU Directives” focused on regulatory harmonization, financial inclusion, payment systems, and alignment with the EU accession process, with particular emphasis on the role of microfinance institutions and fintech solutions in sustainable development and the advancement of regional cooperation.

Nikola Joshevski, President of the Group of Non-Bank Financial Companies at the Economic Chamber of North Macedonia and General Manager and owner of Mint Fintech Group, took part in the panel, debating with leading European partners and institutions actively contributing to shaping regulation and developing social finance in the Western Balkan region.

In his remarks, Joshevski highlighted the need to build a stable and integrated financial system that goes beyond classical regulatory frameworks, noting that the main challenge lies not only in transposing EU directives into national legislation, but in creating a comprehensive ecosystem—one that makes us competitive, inclusive, and robust at home. Through his participation, Joshevski reaffirmed and strengthened Macedonia’s position as an active partner in building a modern, competitive, and sustainable microfinance ecosystem that connects regional cooperation with EU standards and opens new opportunities for growth and development.

The panel encouraged discussion on the future of microfinance regulation in the Western Balkans and the role of microfinance institutions in strengthening financial stability, financial inclusion, transparency, digital transformation, and the promotion of EU values in financial services.