Horizonti NGO was established in 2000 in the Former Yugoslav Republic of Macedonia, and primarily targets women-entrepreneurs from socially excluded and marginalised groups. The programme ‘Housing Microfinance for Roma and Marginalized Groups’ is a joint initiative with Habitat-Macedonia that aims to provide affordable housing to the Roma community. The project includes several components, such as: target group needs assessment; design of appropriate and affordable housing loan standardised client selection procedures; marketing activities; and, monitoring of the loans.