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

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

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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.

Education: the probability of exclusion from basic goods and services is negatively correlated with educational attainment. The incidence of exclusion from basic goods and services of those with basic education (1-9 years of schooling) is much higher relative to other groups with more education, reflecting their lack of skills and knowledge to benefit from existing FIGURe 0% 2.8 2.9 10% 24.0% 30% 25% 20% 15% 10% 5% 0% Village 20% Rural 30% City/Town Exclusion rates from basic goods and services by different location and settlement sites 23.9% Pristina Urban Source: Calculated from Kosovo Mosaic Survey, UNDP 2009 economic opportunities. Kosovo 19.3% 21.1% 1.6% 21.2% Ethnicity: the Kosovo-RAE communities face a substantially higher incidence of exclusion from basic goods and services (often several times higher than the Kosovo average) than the general population. Other ethnic groups such as Kosovo-Turks and Kosovo-Bosnians face a lowerthan-average exclusion incidence rate with only 11.1 percent of households excluded from basic goods and services. The exclusion from basic goods and services rate for Kosovo-Albanians is three percentage points higher than the average exclusion rate for Kosovo (the average rate is 21.2 percent). Only 1.4 percent of Kosovo-Serb households are excluded from basic goods and services. FIGURe 2.10 Exclusion rates from basic goods and services across regions 30% 18.0% 13.6% 26.9% 10.2% 20.4% 9.4% 25% 20% 15% 10% 5% 0% Prishtinë/Priština Mitrovicë/Mitrovica Prizren Gjakovë/Đjakovica Gjilan/Gnjilane Pejë/Peč Source: Calculated from Kosovo Mosaic Survey, UNDP 2009 FIGURe 0% 2.11 5% 10% 1-9 15% 20% 25% Source: Calculated from Kosovo Mosaic Survey, UNDP 2009 Access to utility services: lack of access to essential and health-promoting public services is a critical expression of exclusion. Clean water, sanitation, energy, telecommunications and other services contribute tangibly to the reduction of exclusion from both factor markets and basic goods and services. Since access to water, sanitation, and energy represent basic needs, meeting these needs increases productivity and overall well-being of the households. Moreover, access to utility services can also empower the households in their economic activities. For example, access to electricity is crucial to stimulate Ferizaj/Uroševac Kosovo 27.1% Years of schooling and exclusion rates from basic goods and services 30% 13-16 28.1% 21.2% 15.1% 12.6% 13-16 17-23 ECONOMIC AND LABOUR MARKET EXCLUSION | 45 21.2%

Education: the probability of exclusion<br />

from basic goods and services<br />

is negatively correlated with educational<br />

attainment. The incidence of exclusion<br />

from basic goods and services<br />

of those with basic education (1-9<br />

years of schooling) is much higher relative<br />

to other groups with more education,<br />

reflecting their lack of skills and<br />

knowledge to benefit from existing<br />

FIGURe<br />

0%<br />

2.8<br />

2.9<br />

10%<br />

24.0%<br />

30%<br />

25%<br />

20%<br />

15%<br />

10%<br />

5%<br />

0%<br />

Village<br />

20%<br />

Rural<br />

30%<br />

City/Town<br />

Exclusion rates from basic<br />

goods and services by<br />

different location and<br />

settlement sites<br />

23.9%<br />

Pristina<br />

Urban<br />

Source: Calculated from <strong>Kosovo</strong> Mosaic Survey,<br />

<strong>UNDP</strong> 2009<br />

economic opportunities.<br />

<strong>Kosovo</strong><br />

19.3%<br />

21.1% 1.6% 21.2%<br />

Ethnicity: the <strong>Kosovo</strong>-RAE communities<br />

face a substantially higher<br />

incidence of exclusion from basic<br />

goods and services (often several<br />

times higher than the <strong>Kosovo</strong> average)<br />

than the general population. Other<br />

ethnic groups such as <strong>Kosovo</strong>-Turks<br />

and <strong>Kosovo</strong>-Bosnians face a lowerthan-average<br />

exclusion incidence rate<br />

with only 11.1 percent of households<br />

excluded from basic goods and services.<br />

The exclusion from basic goods<br />

and services rate for <strong>Kosovo</strong>-Albanians<br />

is three percentage points higher than<br />

the average exclusion rate for <strong>Kosovo</strong><br />

(the average rate is 21.2 percent). Only<br />

1.4 percent of <strong>Kosovo</strong>-Serb households<br />

are excluded from basic goods<br />

and services.<br />

FIGURe<br />

2.10<br />

Exclusion rates from basic goods and services across<br />

regions<br />

30% 18.0% 13.6% 26.9% 10.2% 20.4% 9.4%<br />

25%<br />

20%<br />

15%<br />

10%<br />

5%<br />

0%<br />

Prishtinë/Priština<br />

Mitrovicë/Mitrovica<br />

Prizren<br />

Gjakovë/Đjakovica<br />

Gjilan/Gnjilane<br />

Pejë/Peč<br />

Source: Calculated from <strong>Kosovo</strong> Mosaic Survey, <strong>UNDP</strong> 2009<br />

FIGURe<br />

0%<br />

2.11<br />

5%<br />

10%<br />

1-9<br />

15%<br />

20%<br />

25%<br />

Source: Calculated from <strong>Kosovo</strong> Mosaic Survey, <strong>UNDP</strong> 2009<br />

Access to utility services: lack of<br />

access to essential and health-promoting<br />

public services is a critical expression<br />

of exclusion. Clean water, sanitation,<br />

energy, telecommunications and<br />

other services contribute tangibly to the<br />

reduction of exclusion from both factor<br />

markets and basic goods and services.<br />

Since access to water, sanitation, and<br />

energy represent basic needs, meeting<br />

these needs increases productivity and<br />

overall well-being of the households.<br />

Moreover, access to utility services can<br />

also empower the households in their<br />

economic activities. For example, access<br />

to electricity is crucial to stimulate<br />

Ferizaj/Uroševac<br />

<strong>Kosovo</strong><br />

27.1%<br />

Years of schooling and exclusion rates from basic<br />

goods and services<br />

30%<br />

13-16<br />

28.1% 21.2% 15.1% 12.6%<br />

13-16<br />

17-23<br />

ECONOMIC AND LABOUR MARKET EXCLUSION<br />

| 45<br />

21.2%

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