AgroInvest has been working in Montenegro since 1999 and in Serbia since 2001 to improve life for rural families through its economic and social development programs. Through these basic pillars of development, AgroInvest targets the main problems faced by rural populations today. AgroInvest’s core activity is microfinance lending, but they also have a social program function that works in partnership with local communities to provide a more holistic approach to tackling poverty. AgroInvest focuses almost exclusively on rural areas; in Serbia, AgroInvest works through banks and acts as a private guarantee, with a very high portfolio yield and excellent portfolio quality.