Kosovo Human Development Report 2010 - UNDP Kosovo - United ...

Entrepreneurs in Kosovo’ report lists
many obstacles that hinder women’s
ability to start businesses and secure
sustainable livelihoods. Based on this
report, the majority of businesswomen
respondents replied that the main
obstacles to the growth of their business
are family obligations and responsibilities.
Furthermore, 20 percent of
businesswomen stated that they had
many difficulties in obtaining loans
from banks in Kosovo, mainly due to
Table
2.7
44 | KOSOVO HUMAN DEVELOPMENT REPORT 2010
Key labour market indicators by gender (2004-2008)
Source: Calculated from Kosovo Mosaic Survey, UNDP 2009
high interest rates, short repayment
periods and unavailability of loans for
business start-ups. Businesswomen
are also often unable to meet the requirement
to provide property as collateral
during loan applications. Most
of Kosovo property is registered under
the male names (husband, father, or
brother) and only in very special cases
(in female headed families) women
own property in their own name. 57
(ii) Groups excluded from basic
goods and services (by location,
education, ethnicity and access
to public utilities): looking at the
population subgroups, three characteristics
stand out for raising
the incidence of exclusion from
the minimum acceptable level of
goods and services: 1) living in rural
areas and to a lesser extent in secondary
cities; 2) having low levels
of education; and 3) being a member
of a Kosovo-RAE community
and to a lesser extent a member of
a Kosovo-Albanian family.
Location: while the incidence of exclusion
from factor markets was higher
in urban areas, the incidence of exclusion
from basic goods and services
is much higher in rural areas. Consequently,
residents of rural areas and secondary
cities face a far greater risk of exclusion
from basic goods and services
2004 2006 2008
Men Women Men Women Men Women
Labour force participation rates 67.8% 25.2% 69.6% 30.6% 65.8% 26.1%
Employment rates 46.4% 9.9% 46.1% 11.8% 37.7% 10.5%
Unemployment rates 31.5% 60.7% 34.6% 61.6% 42.7% 59.6%
in comparison with Prishtinë/Priština.
From a regional perspective, the
Prizren and Ferizaj/Uroševac regions
had higher incidence of exclusion from
basic goods and services compared
to the average rate for all of Kosovo
whereas the Gjakovë/Gjakovica, Mitrovicë/Mitrovica
and Pejë/Peć regions
had the lowest incidence of exclusion
from basic goods and services. At
the municipal level Skenderaj/Srbica,
Obiliq/Obilić, Gllogovc/Glogovac, and
Malishevë/Malisevo had the highest incidence
of exclusion from basic goods
and services respectively with 43 percent,
53 percent, 38 percent and 40 percent,
while Leposaviq/Leposavić, Zubin
Potok, Zveçan/Zvečan, Shtërpcë/Štrpce
and Mamushë/Mamuša reported zero
exclusion from basic goods and services.