Annual event AECM Dubrovnik 2020 takes place in Dubrovnik, Croatia, from 22 April to 25 April and it is hosted by Croatian agency for SMEs, innovations and investments HAMAG BICRO


If your Mediterranean fantasies feature balmy days by sapphire waters in the shade of ancient walled towns, Croatia is the place to turn them into reality.


Regardless of whether you are visiting Dubrovnik for the first time or the hundredth, the sense of awe never fails to descend when you set eyes on the beauty of the old town. Indeed it’s hard to imagine anyone becoming jaded by the city’s limestone streets, baroque buildings and the endless shimmer of the Adriatic, or failing to be inspired by a walk along the ancient city walls that protected the capital of a sophisticated republic for centuries.

Croatia’s third-largest city, Rijeka is a bustling blend of gritty 20th-century port and Italianate Habsburg grandeur. Most people speed through en route to the islands or Dalmatia, but those who pause will discover charm, culture, good nightlife, intriguing festivals and Croatia’s most colourful carnival.

Croatian Agency for SMEs, Innovations and Investments (HAMAG-BICRO) was founded with the aim of supporting the development of small and medium-sized enterprises, improving the innovation process and encouraging investments.

During the 20 years of operation, HAMAG-BICRO has been consistently committed to growth and development of SMEs and crafts in the Republic of Croatia by facilitating their access to finance. The Agency’s main objective is reflected in the strategic creation of a unique system that would provide support to entrepreneurs through all development stages of operation starting from research and development of an idea to commercialization and placement on the market.

AECM was founded in 1992 under the Belgian Association Act (AECM is an International Non Profit Association – I.N.P.A.).It operates as an open, democratic organisation, independent of any political or financial group.


AECM has 48 member organizations operating in 29 European countries (23 EU countries plus Azerbaijan, Bosnia and Herzegovina, Kosovo, Serbia, Russia and Turkey). Its members are mutual, private sector guarantee schemes as well as public institutions, which are either guarantee funds or Development banks with a guarantee division. They all have in common the mission of providing loan guarantees for SMEs who have an economically sound project but cannot provide sufficient bankable collateral. In 2017, AECM member organizations had a total guarantee volume in portfolio of over 125.6 bn. EUR and issued a total volume of over 74.2 bn. EUR of new guarantees.

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