BZMF was established in 1999 by World Relief to help individuals and communities in Kosovo work towards recovery and reconciliation. BZMF began its lending operations in 1999 in Pristina, and now boasts satellite offices in Gjilan, Istog, Klina, Podujeve, Mitrovica Jugore and Mitrovica Veriore.

Derek Wardlaw, Managing Director
Rubikon will provide the complete microfinance platform at BZMF with an aggressive implementation time-line thanks to Rubikon’s modern web-based architecture, rules-based integrated business process management capabilities, model-based products and services factory, combined with continuous operations thanks to virtualisation of the end-of-day processes.
Derek Wardlaw, Managing Director at BZMF, comments “We evaluated a number of supplier options, but in the end it was the professionalism of the Neptune team, the flexibility and operational efficiency that Rubikon’s unique architecture is capable of delivering, and the track record of rapid implementations that convinced us we were looking at the right system in Rubikon, and the right partner in Neptune, to take BZMF forward.”
Stacey Small, Sales Director, who led the sale for Neptune, concludes “we are extremely excited and pleased to be working with BZMF. Rubikon is fast becoming recognised internationally, not just for its innovation in enabling financial services organisations, but equally as having a low risk rapid implementation profile. Rubikon was recently implemented in a multi-branch national savings and credit bank in under six months, including data migration. This is possible thanks to Rubikon’s clean modern architecture and highlights the quick win benefits compared to some of our big name competitors!”