Kiro Spirov, Skopje I am among the first member-savers in FULM. For a long time I used the salary savings service (voluntary investment) and I always had extra money saved for summer vacations, car registration and the like. Some time ago, my son told me the good news that he had decided to get married and pleasantly surprised me. That …
Marko Gruevski, Skopje In 2012, I received a state scholarship to study at the Police Academy “Polis Akademisi Baskanligi” in Ankara, Turkey. My scholarship covered all the expenses related to schooling and stay in Turkey, but not the travel expenses from Skopje to Ankara and back. I applied for a student loan at FULM Savings House and thanks to the …
Ljubica Lazova, Kavadarci I have been a member of FULM since July 2013. As a student at the Faculty of Philology in Skopje, the first loan I took out was from FULM Savings House in the Tikveshija branch in Kavadarci. I needed a loan to travel to Munich, Germany, in order to learn and improve the German language, and also …
Thanks to FULM Savings House, one of my long-time wishes came true, by approving me a loan of 500 Euros, which I now repay over a longer period of time with a lower installment that I, as a pensioner, can afford with my pension. I was born into a working-class family, with a brother and two sisters, and thus I …
Nikola Grozdanovski, Bitola In life, everyone gets a chance to fulfill their dreams, but often come moments that represent an obstacle for the same. Hello, I am Nikola Grozdanovski from Bitola, and I am a student at the Faculty of Information and Communication Technologies – FICT in Bitola. My wish was to visit America. Before enrolling my studies, I heard …
Milivoje Dubovina Be an inspiration Being means that you exist. To exist you need inspiration, a guide, a goal in life. The goal is what reflects us for why we exist, for what we do. What inspires us is what gives us a new day, new hope, new achievements for a new and better tomorrow. As a …
Serafim Ristov My name is Serafim Ristov and I live in Strumica. I come from a modest working family. I live with my wife, my mother and my sister. I was unemployed for many years, wandering around looking for a job, and things just did not work out well for me. Therefore, I decided to start my own business, so …
Gordana Sidovska,Skopje Every parent’s greatest joy is to watch their children’s achievements and support them in what they do. This certainly meant that one day, I will be able to build them their own home, so that they could live their married life on their own. In November 2016, we had a wedding for the younger son. As much as …
Izmit Ibraimi, Tetovo I have been one of the 17 thousand satisfied members of FULM Savings House for 12 years. As a beneficiary of a modest disability pension, for years I could barely make both ends meet. My income was not sufficient to the cover the necessities of life and basic expenses for me and my family. I had to …
Gordana Sidovska, Skopje Every parent’s greatest joy is to watch their children’s achievements and support them in what they do. This certainly meant that one day, I will be able to build them their own home, so that they could live their married life on their own. In November 2016, we had a wedding for the younger son. As much …
