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    Shoqata e Grave Profesioniste,

    Afariste & zejtare

    Professional, Business and Crafts` women Association

    of Albania

    RAPORTI PUNES PUNES PER SEECEL

    Preface

    This report is the result of a abundant work in the

    field of need assessment and private writings, and

    20-year empirical experience

    of SHGPAZ, the most organized interest group in

    the country.

    Also completion and interviews for filling in the

    forms, conceived by the ILO, and performed and

    prepared with professionalism by dr.Lejda Matja,

    one of the experts active in our association.

    Similarly the prepared material is filled with some

    of our own suggestions, added value to a serious

    study.

    Finally this paper enriches our library in the field

    of Albanian female entrepreneurship.Msc.Flutura Xhabija

    president of SHGPAZ

    Table of contents

    I. Women Entrepreneurs in Albania

    II. Survey Results

    Section A: General Information

    Section B: Measures to apply the questioneries

    Section C: Data and Statistics

    Section D: Barriers to Womens Leadership

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    Section F: Support Mechanisms to Promote Women in Business

    and Management

    III. Women Entrepreneurship in Albania

    Albania has a national WE organization, ''Professional, Business Women and Handcrafters

    Association''. It is mostly involved on programs related to economic empowerement of women

    and WE. Also, there are 3 national WE networks which are recognised as a dialogue partner for

    the government and other stakeholders in relation to WE policies, advocacy and policy support

    measures. However, there is no any systematic coordination among them.

    There are international actors involved in supporting WE in Albania. Such as: GIZ, European

    Council ( Albanian WE ambasadors&WE mentors) and other.

    The women are more vulnerable to shocks in the economy than men. The fiscal policies is said

    not have any gender orientation. The National Strategy for Development and Integration (2007-

    2013) among 9 strategic priorities, has one priority for women economic empowerment through

    the increase of their number as entrepreneurs. Part of government strategy elaborates the creation

    of a positive environment for business and investment, an increase of SMEs competitiveness in

    the regional and global market through the development of technology and information, the

    reduction of administrative barriers and the creation of business facilitation. WE are said to

    benefit from these policies as well. Regarding fiscal policies, there is a lack of these policies as

    there is a lack of specific measures and arrangements for the provision of fiscal incentives for

    companies to help women and men to balance family and work commitments. To ensureeconomic and social empowerment of entrepreneurs through addressing gender inequalities, the

    government of Albania has approved its National Strategy for Gender Equality (2011-2015).

    And WE policy framework is included in this Strategy. Also, there are no any financial support

    instruments for WE, nor any fiscal regulations for that matter.

    Little is done to remove barriers to women joining entrepreneurship and offer women equal

    opportunities, so they can obtain the needed skills, qualifications and support, with a view to

    ensuring that all existing resources are efficiently utilized, and that women skills and strengths

    are challenged to best effect.

    Nearly all businesses in Albania are SMEs. By one estimate, seventeen percent of business

    managers and owners are women and 83% are men. Their businesses tend to be located in thelarge urban areas such as Tirana, Durres, Shkoder, Korca, Elbasan, Fier and Vlora and to cluster

    around providing services such as hair-dressing, child care, tailoring, dentistry, pharmacies,

    freelance professions, legal counseling , tourism, bar and hotel owners

    Total number of active companies 106, 503. Out of them 27% are run by women

    Micro (1-9) - 95.2%

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    Small (10-49) - 3.9%

    Medium (50-249) - 0.7%

    Large (+250) - 0.2%

    62% are self-employed

    New enterprises registered in 2011 amount to 12.706 making this way a 8.3% increase active

    companies, compared to one year ago and 3.1% of employment growth for 2011 compared to2010 Fig 1: Women entrepreneurs by sector in % of total

    It can be difficult to accurately gauge the number of women run business because some

    businesses that are officially registered in the husbands name are actually run by the wife. Some

    training has been offered to increase the number of women entrepreneurs and has revealed that inorder to be effective, training for potential women entrepreneurs needs to include technical

    assistance, access to loans, and training for the broader community.

    At present there is a credit line which will support all SME-s in Albania including female

    enterprises. The program aims to promote economic growth and social Albania estimations,

    supporting local SMEs access to the credit system and the growth of the formal economy.

    The program includes two main components:

    Credit line (25 million Euro) for the Albanian SMEs;

    Guarantee Fund (2.5 million) to support SMEs' access to the credit system;

    The fund is delivered through a state Agency called Albanian Investments Development Agency,

    a structure under responsibility of the Council of Ministers.

    The Government of Albania has put under its priorities the growth of SME-s in Albania. Thefocus would be on manufacturing companies, export oriented SME-s, new SME-s created by

    Albanians residing in Italy, or SME-s that are part of cluster zones, SME-s dealing with

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    renewable energy, agro processing etc. To them would be offered a credit which can ne repaid in

    3 to 8 years. Grace period 1-2 years.

    By the end of August 2012 are credited 65 companies with a value of 16 million Euro, of which

    only 3 are run by women. Funded companies are those operating in sectors agro-processing,

    construction, woodworking, footwear etc. 35 of them are priority projects pertaining toproduction sectors, export, based in rural areas and create new jobs. Priority projects have

    benefited from longer loan repayment term and a grace period of principal up to 2 years.

    A maximum of 10% of the total credit line can be used to fund start-up projects with a budget of15,000 to 50,000 Euro;

    The Government of Albania has already in place agrant scheme to support crafts. It subsidizes

    until ALL 500,000 grant for a project. We think that from this measure will benefit a majority ofwomen SME-s since the primary percentage of crafts SME-s are those run by women/

    Womens business associations appear to some to be focusing more on trainings for novice

    businesswomen than supporting established ones. Still there has been some efforts through a 2

    Projects of EU to support the businesses run by women through a national network ofambassadors and mentors. The program is running from more that 2 years and is being managed

    from PBCWA.

    As was mentioned above, women are less likely than men to be entrepreneurs. Women who do

    wish to start or grow their own businesses face many of the barriers that were listed in the section

    of the assessment on employment above, but they may also face additional barriers as well,

    including:

    Problems accessing credit, because of poverty or lack of collateral (women own much

    less property and real estate in Albania as compared to men because of traditional

    cultural practices)

    Lack of funds to start up a business,

    Lack of contacts and prior experience that result in low levels of knowledge about

    managing a businesses successfully and how to deal with financial institutions,

    Inability to seek credit because despite the fact that a woman operates a business, it is

    registered under her husbands name,

    Fear of stepping out of the box and doing something that is not seen as a traditional

    arena for women (this was often described by interviewees as a mentality problem),

    The tendency for women entrepreneurs to focus on sectors that reflect traditional

    womens work which often pays less or is less likely to result in a business with high

    earning potential, and

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    Attitudinal issues and low levels of self-confidence related to the internalization of

    negative cultural beliefs about womens managerial abilities and intellectual capacities in

    general.

    One study also mentioned an area in which women business-owners are sometimes seen to have

    an advantage over men and that is in the area of interpersonal communications with customers.Good customer service is seen as coming naturally for Albanian women but needing to be

    fostered among men.

    General Information

    70 2010 0 TABELE PER LLOJET E BIYNESIT

    1. Indeed it is a characteristic of Albanian women businesses that they are primarily small

    businesses borne as a surviving need of Albanian families often striving with many social

    and cultural barriers of environment.

    2. Businesses owned by women are in most of cases created from women as a consequence

    of their will to survive, to improve the quality of family life and to find the proper place

    in the society. Often borne in the edge of their existence women has the power to create

    forms of for profit activities but in the majority of cases (more than 90 per cent) they are

    locally owned and are not part of any international company or even joint venture. There

    are a few exceptions which is that of a distribution company and one she producing

    company which either export or import goods internationally (except textile or shoes re-

    exports and handcrafts) .

    The sectors surveyed vary. Sectors represented in this survey vary from insurances, to private

    Education, crafts, production of furnitures and also includes the construction and hospitality

    sectors. The figures of the sectors surveyed also represent the clear proportion of women

    businesses in the real life. The major number of employees remains with hospitality, retail sector

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    followed by crafts sector. The composition of the groups surveyed is quite heterogeneous but this

    also served to have reliable data.

    Policies and Measures

    In general women managing a business tend to support women working in their businesses. Ingeneral there is a common understanding of equally recruitment policies independently by

    gender. Anyway there are not proper initiatives but a general understanding of equally treatment.

    Thus among priorities that women perceive as support for other women is provision of a better

    balance between work and life, support for professional training as well as other social measures

    such as elder care or maternity leave which seem to be real burdens for women employed in a

    business. Must be stated than even why women accepted that policies are in place for the above

    mentioned issues they understand not verbal policies. In general businesses does not have written

    policies for the issues mentioned above rather than a common understanding of support for such

    issues which sometimes can be also part of Labor contracts.

    Data and Statistics

    20 per cent of the companies surveyed emphasize that they monitor and report the proportion of

    women and men in different levels, but this usually happens with big companies and not in

    regular basis. 80 per cent of respondents emphasize that for their small and medium sized

    companies the question is not applicable. The concern of the companies does not remain with the

    proportion of men and women but rather with the skills they do bring to the company.

    They see as vital for their businesses to be part of women business association or other

    professional networks and they are involved with them to a great extent. Such networks allowthem to improve different aspects of their businesses, address their issues better, create lobbying

    groups etc.

    All businesses answered that there is a real challenge the retention of skilled women.

    Independently from gender skilled women are in high demand from other employers and often

    seek for a better employment in terms of working conditions, remunerations, career opportunities

    etc. Therefore in order to retain them continuous efforts should be made.

    Barriers to Womens Leadership

    1. Masculine corporate culture

    2. Women have more family responsibilities than men

    3. No strategy for retention of skilled women

    4. Men not encouraged to take leave for family responsibilities

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    5. Lack of leadership training of women

    6. Inherent gender bias in recruitment and promotion

    7. Roles assigned by society to men and women

    8. Lack of company equality policy and programmes

    9. Few role models for women

    10. Women with insufficient general or line management experience

    11. Gender equality policies in place but not implemented

    12. Inadequate labor and non-discrimination laws

    13. Management generally viewed as a mens job

    14. Lack of flexible working solutions

    15. Stereotypes against women

    Support Mechanisms to train Women in Business and Management

    Ranking below represent the summary results from all individual results of questionnaires

    1. Networking with other companies on good practices

    2. Networking with womens business associations

    3. Identifying the business case for women in management

    4. Designing an equal opportunity policy

    5. Developing a strategy to promote more women in management

    6. Introducing a mentoring scheme

    7. Guides on measures and strategies to promote women in management

    8. Designing a sexual harassment policy

    I. Organizimi i lancimit shkurt

    II. Trajnim me grupin shkurt

    III. Nenshkrimi i kontrates shkurt

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    IV. Leximi dhe shpjegimi paraprak i pyetesoreve shkurt-mars

    V. Eventi i lancimit shkurt

    VI. Krijimi i grupit te informimit: F.Xhabija, Marjeta Mazniku, Silvana

    Barci

    VII. Krijimi i kodeve mars Marjeta dhe Mondi

    VIII. Prova plotesimi 30-40 minuta/here 1-re, 2 pyetesore 30

    min./hera 2-te: FXH

    IX. Cdo dite kemi ndjekur zhvillimin, por kemi n ecuri edhe disa

    projekte te tjera, kemi pasur cdo jave seminaret tonat dhe

    pjesemarrje aktive ne takime te ndryshme kombetare dhenderkombetare.

    X. Veshtiresite e fillimit sepse eshte hera e pare qe plotesohen

    on-line.

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    SHGPAZ was founded since 1992 as NGO, non-governmental, independent

    association which operates in all area of Albania, to assist women in business through

    information, training, lobbying to the improvement of policy-makers, as well as to

    facilitate the creation of public opinion and have a status like a specific group of interest.

    SHGPAZ - The Professional, Business Womne and Handcrafts Association is leadedand managed by a group of women who aim to support and encourage women in their

    economic professional activity and thus contribute to the streghtening of economic and

    society emancipation in Albania. SHGPAZ is one of the oldest associations in Albania,

    which is known on national regional and internationally. Following the western

    experience, this association has conducted a range of services for Albanian women in

    business by organizing trade forums, B2B, fair, exhibition, seminars and conferences,

    TV talk shows home and abroad.

    SHGPAZ, has established a local network of 6 districts which involve women in

    business, handcrafters and managers. In order to be able at responding in time to thecurrent issues and to public matters, SHGPAZ established a flexible and functional

    management structure by organising a strong team of in-house experts which are

    indispensable on the dissemination of research results and policy recommendations.

    The association use a strong PR with the media, and the website, e-mail distribution

    lists and SHGPAZs publications.

    Private sector development is seen as a critical element in strengthening and

    broadening the base of the economy and achieving greater international

    competitiveness. However, many of these adjustments and reforms fail to take account

    of their impact on women, and often neglect to consider womenand womenentrepreneurs (WE) in particular as potential contributors to economic development, the

    growth of the private sector development, and the creation of decent employment.

    The importance of micro and small enterprises (MSMEs) in social and economic

    development, and the need to support their viability, expansion and growth, is accepted

    in most countries irrespective of their stage of economic development. Women and their

    economic contributions are often invisible and go unrecognized in many countries, both

    as entrepreneurs and as workers.

    A project is proposed with PBWHA in order to assess the existing environment for

    women entrepreneurship in order to analyse gaps and promote more favourableenvironment for the growth of womens enterprises. An AfDB/ILO Integrated Framework

    Assessment tool has been identified as appropriate for assessing the environment for

    women entrepreneurship. In general, the Integrated Framework is based on the

    proposition that if women are equipped with the necessary resources, skills and

    opportunities to start stronger businesses, and if they are more readily able to pursue

    the growth potential of these enterprises, the economy will benefit from reduced

    9 SHGPAZ,Rruga "Bogdani", Pall."4 Bimo" kati 7, ap 51Tirane - Albania

    Tel/fax: +355 (0) 4 2235726, [email protected];[email protected]

    www.nemewea.al;www.prom-albania.com

    mailto:[email protected]:[email protected]:[email protected]://www.nemewea.al/http://www.nemewea.al/http://www.prom-albania.com/http://www.prom-albania.com/mailto:[email protected]:[email protected]://www.nemewea.al/http://www.prom-albania.com/
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    poverty, from greater employment and from economic growth. The women

    entrepreneurs will be able to grow their own enterprises and become more significant

    actors in national economies. In addition, avenues will be opened for the greater social

    inclusion of women in the public domain, greater gender equality, and enhanced

    economic empowerment of women

    CELEBRATING THE SECOND CATALOGUE, MARCH 2013

    10 SHGPAZ,Rruga "Bogdani", Pall."4 Bimo" kati 7, ap 51Tirane - Albania

    Tel/fax: +355 (0) 4 2235726, [email protected];[email protected]

    www.nemewea.al;www.prom-albania.com

    Aktivitete eorganizuara ngaSHGPAZ

    5/3/2013 Tirane Takim me Kryetaren e Kuvendit Znj.Jozefina Topalli 45

    7/3/2013 Tirane Takim me perfaqsuesen e GIZ 111/3/2013 Tirane Takim me perfaqesuesen e AIDA-s Mrs. Eneida Gurria 1

    12/3/2013 Tirane Takim me Znj.Tefta Demetin , drejtoreshe ne METE 113/3/2013 Tirane Interviste e Mss. F.Xhabija and S.Drishti, Wake-up,

    TopChannel TV2

    16/3/2013 Lezhe Inagurimi i laboratorit artizanal Lezhe 2

    27-29/3/2013

    Prizren

    Workshop Indentifikim i nevojave per sherbime, sherbimete reja

    4

    29/3/2013 Tirane "Banka dhe Siprmarrsi" 9

    mailto:[email protected]:[email protected]:[email protected]://www.nemewea.al/http://www.nemewea.al/http://www.prom-albania.com/http://www.prom-albania.com/mailto:[email protected]:[email protected]://www.nemewea.al/http://www.prom-albania.com/
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    5 mars 2013, Grat siprmarrse vizit n Kuvendin e Shqipris

    15 MARS-business community 16 MARS 2013, Inagurimi i laboratorit artizanal neqytetin e Lezhes& prime ministre with his cabinet

    plotesimi I pyetesoreve ishte shume pozitiv sepse hera e pare on line, hera e

    pare ne grup, kishte tri ategori- pa kompjuter ne qendra internet, me kompjuter

    por asnjehere pyetesor dhe ato qe ishin mesuar sidomos anetaret

    SME POLICY INDEXWestern Balkans and Turkey 2012

    Progress in Implementation of the Small Business Act for EuropeDimension 1

    Entrepreneurial learning and womens entrepreneurshipCOUNTRY SCORES-2012 regional average

    11 SHGPAZ,Rruga "Bogdani", Pall."4 Bimo" kati 7, ap 51Tirane - Albania

    Tel/fax: +355 (0) 4 2235726, [email protected];[email protected]

    www.nemewea.al;www.prom-albania.com

    http://www.facebook.com/media/set/?set=a.482815001767909.1073741829.179425715440174&type=1mailto:[email protected]:[email protected]:[email protected]://www.nemewea.al/http://www.nemewea.al/http://www.prom-albania.com/http://www.prom-albania.com/http://www.facebook.com/media/set/?set=a.482815001767909.1073741829.179425715440174&type=1mailto:[email protected]:[email protected]://www.nemewea.al/http://www.prom-albania.com/
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    12 SHGPAZ,Rruga "Bogdani", Pall."4 Bimo" kati 7, ap 51Tirane - Albania

    Tel/fax: +355 (0) 4 2235726, [email protected];[email protected]

    www.nemewea.al;www.prom-albania.com

    mailto:[email protected]:[email protected]:[email protected]://www.nemewea.al/http://www.nemewea.al/http://www.prom-albania.com/http://www.prom-albania.com/mailto:[email protected]:[email protected]://www.nemewea.al/http://www.prom-albania.com/
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    13 SHGPAZ,Rruga "Bogdani", Pall."4 Bimo" kati 7, ap 51Tirane - Albania

    Tel/fax: +355 (0) 4 2235726, [email protected];[email protected]

    www.nemewea.al;www.prom-albania.com

    mailto:[email protected]:[email protected]:[email protected]://www.nemewea.al/http://www.nemewea.al/http://www.prom-albania.com/http://www.prom-albania.com/mailto:[email protected]:[email protected]://www.nemewea.al/http://www.prom-albania.com/
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    14 SHGPAZ,Rruga "Bogdani", Pall."4 Bimo" kati 7, ap 51Tirane - Albania