Vladanka Spasovska Tofilovska, v.Raotince, Tetovo My family and I live a beautiful and peaceful life, in harmony, with all the beauties that our beautiful village Raotince brings, located at the foot of the mountain Zeden and through which the river Vardar flows. With hard work we built a beautiful house, with a beautiful yard covered with flowers. Like any person …
Toni Zengovski, Skopje New day, new hope My wife and I were expecting a baby and needed help to renovate the house because the house was relatively old and not suitable for raising a baby. We asked for help from several friends, relatives and even banks, but no one helped us. Although we had additional income, the banks turned us …
Dimitri Kitanov, Skopje I raised two children. I schooled them. I organized two weddings. I became the grandfather of four grandchildren. In my old age, I thought of building a small house for me and my wife, so that we could leave the young alone. I had saved money on the side, and in the beginning, all the construction costs …
Ивана Новачка, Скопје Whenever I needed to get out of the house, I always wondered how I would get there, will I take the bus, how would I get back or how much it would cost me to take a taxi. I love going out, travelling, but transportation has always been the limit I faced. After I got a job …
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 …
