The more complex a product or a service the more questions the clients have. Why do we ask questions? Because we do not want to make a wrong choice. The fear of making a wrong choice is far less when buying a calculator than when buying a refrigerator, TV set or a car. The reason is that the damage or a cost of buying the new item is far less.
We hope we shall answer all of the questions frequently asked by clients and help you get a clear picture of EKI’s service and product you wish to use.
Yes, absolutely. EKI will take each job application into consideration as well as your previous results if you had already gone through the selection procedure.
EKI normally does not return the submitted documents to job applicants. Therefore, for EKI vacancies the interested candidates are invited to submit copies of their documents that do not need to be certified/verified. All documents are kept in our archive for two years and over that period the qualified candidates can be contacted should a need arise. After two years all documents are destroyed in the presence of a Commission. EKI has the obligation to keep all of the data and information about the candidates and to use them only in line with the Law on Protection of Personal Data of Bosnia and Herzegovina.
All BiH citizens at the age of majority and up to 75 years of age may be EKI clients. Loans can be granted to employed and unemployed persons, without a conditional regular income. Good credit history and income for covering the loan-related expenses are an important precondition.
EKI has a two-step selection procedure. The first step involves psychometric testing, knowledge tests and an interview. Based on the first step results the applicants are invited for the second round of interviews with a Recruiting Commission. All of the applicants that qualify for the second round of selection will receive a written notification from EKI of the outcome of the selection procedure.
Depending on a loan, the interest rate ranges from 15,90% to 22,50%. The loan processing fee ranges from 1,00% to 2,50% of the requested loan size and is deducted from the loan at the payout. The total size of interest rate in BAM depends on the loan size and payment term.
After closing of the vacancy the Human Resources Department will review all of the applications and will shortly contact the applicants who meet the criteria for the respective job.
Guarantees for payment of the requested loan depend on your credit ability, credit history, the size of the requested loan, and the current credit activity of you and your household members. EKI also approves loans without guarantors.
Microcredit Foundation EKI approves the loans in the size of 300 to 10.000 BAM.
EKI hires BiH citizens that are above 18 years of age, holders of B category driver’s license and are computer literate. Each job description includes additional conditions that are required and which can involve specific education level, professional experience and certain knowledge and skills. For the position of a Loan Officer we prefer hiring locals from the area in which the vacancy was announced.
Starting from the day when the complete documentation has been submitted, it takes 5 to 7 work days to process and pay the loan. The period for realization of the loan depends solely on your punctuality and proper submission of complete necessary documentation to the EKI Loan Officer.
Unless there is a vacancy with an open call for job applications for which you wish to apply, you can send your CV and a motivation letter to firstname.lastname@example.org. It is important to note what type of job you are looking for and where.
If there is a vacancy for a certain position you are invited to apply in the following ways:
a) By e-mailing your CV to email@example.com
b) By filling in the online form available at our website
c) By mailing your CV via postal service to Celjska 41, 74 000 Doboj (for vacancy)
The basic and main documents necessary for the realization of loan are: a copy of ID Card, original or verified copy of the CIPS certificate of residence, a copy of bank account card, filled in EKI Household List, one entity promissory note, and a signed loan application form.
We pay a visit to the client so as to adjust the loan conditions to your needs and capacities. The visit of the EKI Loan Officer to the business you are running or are involved in has the purpose of determining the capacity of the business from which you generate income and to identify the purpose of loan investment.
The client has an opportunity to pay the loan prematurely. If at the time of closing the existing loan the client takes a new loan in EKI, the client will not pay the cost of loan closure. When closing the loan without taking a new one, the client will pay the cost of loan closure. In both cases the client will not pay the interest rate that is not due.
The payment of EKI loan installment is made only in banks by means of filled in EKI payment order, standard payment order or credit transfer order. The loan installments cannot be paid in EKI, as EKI does not administer payment transactions. Filled in payment orders for loans may be collected in EKI.
The loan can be paid prior to expiry of the defined payment period. It is necessary to submit a request stating the reasons for premature loan payment. If a minimum of 50% of the loan has been regularly paid according to the payment plan, the loan can be replaced with a new one.
- Telephone: 080 051 052 (free info line)
- E-mail: firstname.lastname@example.org
YES, it really is the case. The price of all of the benefits you will be entitled to as a member of the EKI Business Club is 0,00 BAM.
- Joining the EKI Business Club = 0,00 BAM
- Posting your advertisement = 0,00 BAM
- Phone calls (to the free info line) = 0,00 BAM
- Delivery of the Newsletter = 0,00 BAM
TOTAL COSTS: = 0,00 BAM
Calling the number 080 051 052 (free info line) is like dialling any other number. The main difference is that you, as our client, will bear no costs for this call, it is FREE OF CHARGE. The cost of the call is fully covered by EKI. Through this phone number you can register your advertisement for publishing, you are able to get informed on the status of your advertisement, you can check if someone is selling a product you need or if they are providing services you need.
We shall identify you as a member of the EKI Business Club by the access code that will be given to you upon signing of the Memorandum of Understanding, or it will be generated and issued on the basis of the date of your birth. This way you are absolutely certain that you are the only one who can publish your ad.
You can share your e-mail address with us when you visit one of our offices, you can give it to EKI officers that visit you at your home, or by calling the free info line at 080 051 052. The e-mail needs not to be yours, but you can leave the e-mail address of one of your family members.
As a member of the EKI Business Club you will be receiving a hard copy of the EKI Newsletter at least once a month.
We would like to emphasize that e-mail is the safest way of receiving your copy.
Any member of EKI Business Club can have maximum of two ads simultaneously. Each ad has three month (three issues of EKI Yellow Pages) expiry date with possiblity to extend them via toll free line 080 051 052.
The content of your ad will be published in the EKI Newsletter. A copy of the Newsletter will be available to all members of the EKI Business Club, in all EKI branch offices and will be disseminated by EKI loan officers during their field visits across the country. Also, the ads will be visible at our website www.eki.ba. This way you can be sure that the goods/services you are selling/offering will be seen by thousands of users, and thus the possibility of faster sales will be much higher.
In order to have your advertisement published in the EKI Newsletter you should have a text with the description of the goods/services you wish to sell, buy or rent and submit it to us in one of the following ways:
- By calling the free info line 080 051 052 (the cost of the telephone call is covered by EKI),
- By e-mail form that can be found at www.eki.ba,
- By e-mail form in mobile applications for Android and IOS
- In the field during the visit of our officers,
- In EKI office closest to you,
- By mailing it to the address: Bulevar mira 10, 76100 Brčko, Marketing Department
Once you repay the current loan in MCF EKI you have a chance of 60 days to remain a member of the EKI Business Club, because as already mentioned, only the active EKI clients can be members of the EKI Business Club. The continued cooperation with EKI provides you with the opportunity of membership and with the use of all its benefits. In order to maintain the privileges of membership, we recommend a renewal of loan within 60 days.
Once you become a member you are entitled to all of the privileges offered by the EKI Business Club. The following benefits are to be singled out:
- Advertising through EKI Newsletter that is printed and distributed through the EKI Network at least once a month,
- By calling our free info line 080 051 052, you can get all the information you need for free and you can post your advertisement for purchase or sales free of charge,
- By getting connected with other members who are in the same or similar business you have the opportunity to ensure a better access to buyers and processors,
- Free education through articles in various fields as well as education in the form of exchange of experience with the members of the EKI Business Club,
- Assistance with sales of your goods for the purpose of easier payment of loan instalments (tin all aforementioned ways).
You can become a member of the EKI Business Club in one of the following ways:
- When our officer visits you at your place you can instantly sign a Memorandum of Understanding after which you will become an official member of the EKI Business Club.
- You can visit an EKI branch office that is closest to you and have our staff member help you fill in and sign the Memorandum of Understanding.
Either way becoming a member of the EKI Business Club is FREE OF CHARGE.
EKI Business club member can be any active EKI client involved in some kind of business activity.