The study looked at how characteristics like age, size, education, and business plan affect small businesses' ability to get bank loans in Kosovo. Researchers found that many small businesses struggle to get funding from banks. They surveyed 500 small businesses and looked at other sources like magazines and books. The results showed that the age, size, and business plan of a company can impact its chances of getting a loan from a bank in Kosovo. This information can help Kosovo's financial system and policymakers create better support for small businesses.