Kosova continues to be one of the countries with the most undeveloped economy in the region and with negative measuring indicators of the economic development, high unemployment, a deep negative commercial balance, and non-favorable macro economical politics to guarantee a faster development trend, although it has marked a positive economical increase in recent years but too insufficient to weaken poverty and decrease the unemployment rate. The insurance sector participates with only 3% in the Kosovo financial sector, except for its very symbolic participation, this industry is characterized by a very low degree of development and the main motive is to analyze the very slow trend of industry development, to identify the causes and factors that have influenced this segment to be so underdeveloped and of a very symbolic weight in the Kosovo economy. I have also specifically explored and presented strategic orientation and detailed activities through which the premium structure in Kosovo could be changed in favor of voluntary insurance.

I have been involved in the insurance industry in Kosova since 2001 in various management executive positions, currently holding the position of Advisory to CEO Insurance Company  "Elsig". Since 2011 I have been engaged in teaching at the University of Pristina.I am currently doing my PhD in International Business. St.Climent Univ. North Macedonia.