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Thousands of displaced Albanians arrive at refugee camp Blace in the Kosovo-Macedonia border area. Getty Images
Thousands of displaced Albanians arrive at refugee camp Blace in the Kosovo-Macedonia border area. Getty Images

1998 - Conflict in Kosovo

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Updated 19 April 2025

1998 - Conflict in Kosovo

1998 - Conflict in Kosovo
  • The plight of the mainly Muslim ethnic Albanian population during the war drew humanitarian assistance from across the Islamic world

DUBAI: By the standards of many recent conflicts, the Kosovo war in 1998 and 1999 was brief. It began with an armed uprising by the Kosovo Liberation Army against Serbian rule over the Kosovo region of rump Yugoslavia. 

President Slobodan Milosevic’s regime in Belgrade responded with overbearing force, spawning a massive refugee crisis and raising the specter of a Bosnia-like slaughter of Kosovar Muslims. 

NATO intervened with a prolonged campaign of bombing, leading to a peace accord and an end to the fighting. In February 2008, Kosovo declared its independence from Serbia amid unprecedented scenes of joy and jubilation. 

The US and several EU member countries recognized Kosovo as an independent state, but Serbia, backed by Russia, did not. Since then Kosovo, a parliamentary democracy with a lower-middle-income economy, has been in a kind of limbo. 

As someone who grew up a child of the Bosnian war in Sarajevo in the 1990s, the events in nearby Kosovo are etched forever in my mind. I am all too aware of the ancient hatreds that lay beneath the events there. Historically, Kosovo lay at the heart of the Serbian empire, having been the site of the coronations of a number of Serbian kings during the Middle Ages. 

How we wrote it




Arab News’ front page covered escalating Serbian assaults on Albanian villages in Kosovo.

Despite gaining a measure of autonomy under the former Yugoslavia in 1974, the mainly Muslim ethnic Albanian population of the province chafed at the continued dominance of ethnic Serbs. In the late 1980s, the leader of the Kosovars, Ibrahim Rugova, initiated a policy of non-violent resistance to the abrogation of the province’s constitutional autonomy by Milosevic. 

The president and members of Kosovo’s Serbian minority had long fretted about the fact that ethnic Albanians were in demographic and political control of a region that held deep significance to Orthodox Christian Serbs. During the 1992-1995 war in Bosnia, and even after the break-up of Yugoslavia, Kosovars began to be viewed with growing suspicion by Serb nationalists. 

Popular support, meanwhile, swung in favor of ethnic Albanian radicals who were convinced their demands for autonomy could not be secured through Rugova’s peaceful methods. In 1996, the Kosovo Liberation Army emerged, carrying out sporadic attacks against Serbian police and politicians in a campaign that grew in intensity over the following two years. 

The heavy-handed response of the Serbian police, paramilitary groups and army triggered a massive refugee crisis that drew the attention of the international media and community. An informal coalition made up of the US, the UK, Germany, France, Italy and Russia, known as the Contact Group, demanded an immediate ceasefire, among other things. 

Key Dates

  • 1

    Kosovo conflict begins with armed uprising by the Kosovo Liberation Army.

    Timeline Image March 5, 1998

  • 2

    NATO launches campaign of airstrikes against Serbia.

    Timeline Image March 24, 1999

  • 3

    NATO airstrikes end 11 weeks after they began.

    Timeline Image June 10, 1999

  • 4

    Yugoslavia ceases to exist, renamed State Union of Serbia and Montenegro. Montenegro declares independence on May 21, 2006.

    Timeline Image Feb. 4, 2003

  • 5

    First direct talks since 1999 between ethnic Serbian and Kosovar leaders on future status of UN-run Kosovo take place in Vienna.

  • 6

    Kosovo unilaterally declares independence from Serbia, a move still contested by some to this day.

    Timeline Image Feb. 17, 2008

The UN Security Council condemned what it described as an excessive use of force by Serbia and imposed an arms embargo but this failed to halt the violence. On March 24, 1999, NATO began a campaign of airstrikes targeting Serbian military targets. In response, Serbian forces drove hundreds of thousands of Kosovars into Albania, Macedonia (now North Macedonia) and Montenegro. 

Though the wartime suffering of the Kosovars elicited sympathy and support from the Islamic world, some leaders criticized NATO for sidestepping the UN and labeled its military campaign a “humanitarian war.” 

The legitimacy of organization’s unilateral decision to launch airstrikes was questionable under international law. However, the UN secretary-general at the time, Kofi Annan, supported the intervention on principle, saying: “There are times when the use of force may be legitimate in the pursuit of peace.” 

Arab countries such as Libya and Iraq, which had close relations with Yugoslavia, predictably insisted on a political solution. The Gulf states, led by Ƶ, maintained a focus on the provision of humanitarian assistance and efforts to find a peaceful resolution to the conflict. 

Ƶ was the first country to respond with aid, dispatching two relief flights that delivered more than 120 tonnes of aid, including tents, dates, blankets and carpets, according to official statements at the time. A Saudi C-130 Hercules relief plane carrying aid flew daily from Jeddah or Riyadh to Albania’s capital, Tirana, where Saudi Embassy and air force personnel handled the cargo. 




Hundreds of displaced Kosovars queue up at Cegrane refugee camp in Macedonia to get supplies after their arrival. AFP

The Kingdom also provided a field hospital in Tirana, which opened on May 24, 1999, and 10 other health centers across Albania and Macedonia. A Saudi telethon appeal on April 16 raised almost $19 million. The Islamic Relief Organization in Jeddah, which helped organize it, said it sent $12 million in humanitarian aid. 

A separate Kuwaiti TV fundraising initiative raised $7 million in one day, with the emir, Sheikh Jaber Al-Ahmed Al-Sabah, personally donating $1 million. 

Organizations from the UAE set up one of the largest relief camps in Kukes, near the Albanian border, which provided about 10,000 Kosovar refugees with food and access to basic amenities, including a fully equipped field hospital. The Red Crescent set up refugee camps in Macedonia and Albania. 

The NATO bombing campaign lasted 11 weeks and eventually expanded to Belgrade, causing heavy damage to the city’s infrastructure and the inadvertent deaths of many civilians. In June 1999, the Yugoslav government accepted a peace proposal mediated by Russia and Finland. 

NATO and Yugoslavia signed a peace accord outlining plans for the withdrawal of troops and the return of nearly 1 million refugees and 500,000 internally displaced Kosovars. Most ethnic Serbs left the region. 

NATO’s humanitarian military intervention saved the lives of thousands of innocent Kosovars. 

  • Emina Osmandzikovic, is a former contributor on refugee issues for Arab News. She grew up in Sarajevo in the 1990s during the Bosnian war. 


Daesh group claims first attack on Syrian government forces since Assad’s fall

Daesh group claims first attack on Syrian government forces since Assad’s fall
Updated 3 min 36 sec ago

Daesh group claims first attack on Syrian government forces since Assad’s fall

Daesh group claims first attack on Syrian government forces since Assad’s fall
  • Daesh, which once controlled large parts of Syria and Iraq, is opposed to the new authority in Damascus led by President Ahmad Al-Sharaa
  • Daesh was defeated in Syria in March 2019 when SDF fighters captured the last sliver of land that the extremists controlled
BEIRUT: The Daesh group has claimed responsibility for two attacks in southern Syria, including one on government forces that an opposition war monitor described as the first on the Syrian army to be adopted by the extremists since the fall of Bashar Assad.
In two separate statements issued late Thursday, Daesh said that in the first attack, a bomb was detonated targeting a “vehicle of the apostate regime,” leaving seven soldiers dead or wounded. It said the attack occurred “last Thursday,” or May 22, in the Al-Safa area in the desert of the southern province of Sweida.
Daesh said that the second attack occurred this week in a nearby area during which a bomb targeted members of the US-backed Free Syrian Army, claiming that it killed one fighter and wounded three.
There was no comment from the government on the claim of the attack and a spokesperson for the Free Syrian Army didn’t immediately respond to a request for comment by The Associated Press.
The Britain-based Syrian Observatory for Human Rights said that the attack on government forces killed one civilian and wounded three soldiers, describing it as the first such attack to be claimed by Daesh against Syrian forces since the fall of the 54-year Assad family’s rule in December.
Daesh, which once controlled large parts of Syria and Iraq, is opposed to the new authority in Damascus led by President Ahmad Al-Sharaa, who was once the head of Al-Qaeda’s branch in Syria and fought battles against Daesh.
Over the past several months, Daesh has claimed responsibility for attacks against the US-backed and Kurdish-led Syrian Democratic Forces in the northeast.
Daesh was defeated in Syria in March 2019 when SDF fighters captured the last sliver of land that the extremists controlled. Since then, its sleeper cells have carried out deadly attacks, mainly in eastern and northeast Syria.
In January, state media reported that intelligence officials in Syria’s post-Assad government thwarted a plan by Daesh to set off a bomb at a Shiite Muslim shrine south of Damascus.
Al-Sharaa met with US President Donald Trump in Ƶ earlier this month during which the American leader said that Washington would work on lifting crippling economic sanctions imposed on Damascus since the days of Assad.
White House press secretary Karoline Leavitt said in a statement after the meeting that Trump urged Al-Sharaa to diplomatically recognize Israel, “tell all foreign terrorists to leave Syria” and help the US stop any resurgence of the Daesh group.

EU to propose more flexible climate goal in July, sources say

EU to propose more flexible climate goal in July, sources say
Updated 10 min 10 sec ago

EU to propose more flexible climate goal in July, sources say

EU to propose more flexible climate goal in July, sources say
  • The proposal will set an EU goal to cut net greenhouse gas emissions 90 percent by 2040, compared with 1990 levels, the diplomats saiD

BRUSSELS: The European Commission will propose a new EU climate target in July that includes flexibilities for how countries meet it, as Brussels attempts to fend off mounting criticism of Europe’s environmental aims, EU diplomats told Reuters.
The European Union’s climate commissioner, Wopke Hoekstra, confirmed plans to present an EU climate target for 2040 on July 2, during a meeting with EU countries’ representatives on Wednesday, diplomats familiar with the closed-door talks told Reuters.
The proposal will set an EU goal to cut net greenhouse gas emissions 90 percent by 2040, compared with 1990 levels, the diplomats said. However, the EU executive plans to add flexibilities to that target, which could reduce what it demands from domestic industries.
The flexibilities include setting an emissions-cutting target for domestic industries that is lower than 90 percent and letting countries buy international carbon credits to make up the rest, to reach 90 percent, the diplomats said.
A European Commission spokesperson declined to comment on the plans.
The Commission has promised not to weaken Europe’s ambitious climate aims, despite mounting criticism from governments and lawmakers concerned about the cost for European businesses, which are struggling with high energy prices and looming US tariffs.
Europe is the world’s fastest-warming continent. The Commission has delayed its 2040 climate proposal for months, and has weakened other green laws in recent months to try to calm the political pushback.
EU countries are split over the 2040 goal, which they and EU lawmakers must approve. Finland, the Netherlands and Denmark are among those backing a 90 percent emissions cut. Opponents include Italy and the Czech Republic.
Germany has backed a 90 percent target if countries can use international carbon credits to meet three percentage points of the goal.
The Commission is also considering softening requirements for countries to cut emissions in specific sectors — giving them more choice over which industries do the heavy lifting to meet the goal, the diplomats said.
The 2040 goal will aim to keep EU countries on track between their 2030 emissions target — which they are nearly on track to meet — and the EU’s aim to reach net zero emissions by 2050.


Pakistan, India close to completing border troop reduction, senior Pakistani general says

Pakistan, India close to completing border troop reduction, senior Pakistani general says
Updated 34 min 17 sec ago

Pakistan, India close to completing border troop reduction, senior Pakistani general says

Pakistan, India close to completing border troop reduction, senior Pakistani general says
  • Both nations attacked military installations in their mainlands this month before the US brokered a ceasefire on May 10
  • General Sahir Shamshad Mirza says latest conflict has lowered the ‘threshold,’ won’t be restricted to disputed Kashmir

SINGAPORE: Pakistan and India are close to reducing the troop build up along their border to levels before conflict erupted between the nuclear-armed neighbors this month, a top Pakistani military official told Reuters on Friday, although he warned the crisis had increased the risk of escalation in the future.

Both sides used fighter jets, missiles, drones and artillery in four days of clashes, their worst fighting in decades, before a ceasefire was announced.

The spark for the latest fighting between the old enemies was an April 22 attack in Indian-administered Kashmir that killed 26 people, most of them tourists. New Delhi blamed the incident on “terrorists” backed by Pakistan, a charge denied by Islamabad.

On May 7, India launched missiles at what it said were “terrorist infrastructure” sites across the border and as Pakistan responded with its own attacks, both countries built up additional forces along the frontier.

General Sahir Shamshad Mirza, Pakistan’s chairman of the joint chiefs of staff, said the two militaries had started the process of drawing down troop levels.

“We have almost come back to the pre-22nd April situation... we are approaching that, or we must have approached that by now,” said Mirza, the most senior Pakistani military official to speak publicly since the conflict.

India’s ministry of defense and the office of the Indian chief of defense staff did not immediately respond to Reuters’ requests for comment on the remarks by Mirza.

Mirza, who is in Singapore to attend the Shangri-La Dialogue forum, said while there was no move toward nuclear weapons during this conflict, it was a dangerous situation.

“Nothing happened this time,” he said. “But you can’t rule out any strategic miscalculation at any time, because when the crisis is on, the responses are different.”

He also said the risk of escalation in the future had increased since the fighting this time was not limited to the disputed territory of Kashmir, the scenic region in the Himalayas that both nations rule in part but claim in full. The two sides attacked military installations in their mainlands but neither has acknowledged any serious damage.

Indian Prime Minister Narendra Modi warned Pakistan this month that New Delhi would target “terrorist hideouts” across the border again if there were new attacks on India.

‘DANGEROUS TREND’

The two countries have fought three major wars, two of them over Kashmir, and numerous armed skirmishes since both were born out of British colonial India in 1947.

New Delhi blames Pakistan for an insurgency in India-administered part of Kashmir that began in 1989 and has killed tens of thousands. Pakistan says it provides only moral, political and diplomatic support to Kashmiris seeking self-determination.

“This (conflict) lowers the threshold between two countries who are contiguous nuclear powers...in the future, it will not be restricted to the disputed territory. It would come down to (the) whole of India and (the) whole of Pakistan,” Mirza said. “This is a very dangerous trend.”

Reuters has reported that the rapid escalation of hostilities ended in part because of behind-the-scenes diplomacy involving the US, India and Pakistan, and the key role played by Washington in brokering peace. India has denied any third-party role in the ceasefire and said that any engagement between India and Pakistan has to be bilateral.

But Mirza warned that international mediation might be difficult in the future because of a lack of crisis management mechanisms between the countries.

“The time window for the international community to intervene would now be very less, and I would say that damage and destruction may take place even before that time window is exploited by the international community,” he said.

Pakistan was open to dialogue, he added, but beyond a crisis hotline between the directors general of military operations and some hotlines at the tactical level on the border, there was no other communication between the two countries.

India’s foreign ministry spokesperson said on Thursday “talks and terror don’t go together” in response to a question on the possibility of dialogue with Pakistan.

Mirza said there were no backchannel discussions, or informal talks, to ease tensions. He also said he had no plans to meet General Anil Chauhan, India’s chief of defense staff, who is also in Singapore for the Shangri-La forum.

“These issues can only be resolved by dialogue and consultations, on the table. They cannot be resolved on the battlefield,” Mirza said.


Death toll in central Nigeria floods rises to 36: rescuers

Death toll in central Nigeria floods rises to 36: rescuers
Updated 37 min 37 sec ago

Death toll in central Nigeria floods rises to 36: rescuers

Death toll in central Nigeria floods rises to 36: rescuers

KANO: The death toll in central Nigeria flash floods has risen to 36 after rescuers recovered more bodies, an emergency services spokesman told AFP Friday.
Flooding after torrential rains late on Wednesday washed away more than 50 homes in the city of Mokwa in central Niger state, drowning residents with many missing, according to the Niger state emergency management agency (SEMA).
“As at this morning, 11 more bodies were recovered in addition to the 25 found earlier, which brings the number of fatalities to 36 so far,” Ibrahim Audu Husseini, SEMA spokesman said.
Teams of rescuers continued to search for missing residents into Friday.
“We expect the toll to rise considerably because there are different rescuers at different locations,” Husseini said.
Nigeria’s rainy season, which usually lasts six months, is just getting started for the year. Scientists warn that climate change is already fueling more extreme weather patterns.
Flooding, usually caused by heavy rains and poor infrastructure, wreaks havoc every year, killing hundreds of people across the west African country.
In Nigeria, the floods are exacerbated by inadequate drainage, the construction of homes on waterways, and the dumping of waste in drains and water channels.
The Nigerian Meteorological Agency had warned of possible flash floods in 15 of Nigeria’s 36 states, including Niger state, between Wednesday and Friday.
In 2024, more than 1,200 people were killed and 1.2 million displaced in at least 31 out of Nigeria’s 36 states, making it one of the country’s worst floods in decades, according to the National Emergency Management Agency.


​​Digital shift keeps Saudi credit card borrowing above $8bn and just 2% below record level

​​Digital shift keeps Saudi credit card borrowing above $8bn and just 2% below record level
Updated 47 min 11 sec ago

​​Digital shift keeps Saudi credit card borrowing above $8bn and just 2% below record level

​​Digital shift keeps Saudi credit card borrowing above $8bn and just 2% below record level

RIYADH: Credit card loans from Saudi banks posted their second-highest figure on record in the first quarter of 2025, after an annual rise of 12.53 percent.

According to the Saudi Central Bank, also known as SAMA, this borrowing of SR30.66 billion ($8.18 billion) is just 2 percent below the all-time peak recorded at the end of 2024.

SAMA figures also revealed that consumer loans reached SR479.78 billion in what was a 6.41 percent rise during the same period. 

The vast majority – over 90 percent – of consumer lending falls into a broad “other” category, which includes debt consolidation, personal family expenses, or any borrowing not classified under the specific purposes.

This indicates that many Saudis take personal loans for a range of needs, from home renovations to weddings, but each of those specific uses is a relatively small slice of the overall figures.

Multiple factors are supporting the rapid growth of the credit card segment. A central driver is the national push toward a cashless society under Vision 2030, which has seen SAMA implementing policies to promote electronic payments and reduce dependence on cash.

This includes expanding point-of-sale infrastructure, mandating that businesses accept electronic payments, and fostering fintech innovation. As a result, 79 percent of all retail transactions in 2024 were electronic, card or digital payments, up from 70 percent the year before, according to an April release by SAMA.

In parallel, banking penetration has expanded, with nearly all bank cards in the Kingdom now enabled for contactless payments. By 2023, 98 percent of in-person card transactions were contactless — up from just 4 percent in 2017— according to Visa executive Andrew Torre, speaking to Arab News in October.

There is a push toward a cashless society under Vision 2030. Shutterstock

The COVID-19 pandemic accelerated this shift to tapping cards and phones, ingraining cashless habits. With nearly 50 million payment cards in circulation and a decline in ATM usage, the ecosystem is primed for card spending over cash.

Another factor is consumer behavior and economic policy. Strong consumer spending in Ƶ — supported by economic growth and initiatives to boost household income — has encouraged more use of credit for purchases.

Rather than delaying purchases, many consumers are comfortable using credit cards to buy now and pay later, especially with the availability of installment plans.

Additionally, banks and payment networks are actively marketing credit cards with attractive promotions. Cashback deals, reward points, airline miles, and no-fee installment offers are abundant, which incentivizes consumers to use credit cards for both large and small purchases.

The entry of Shariah-compliant credit cards has also played a role. By addressing religious sensitivities, Islamic banks have made credit cards acceptable to a wider customer base that previously avoided interest-based products.

Furthermore, the growth of e-commerce and digital services in Ƶ has naturally increased credit card adoption. Online retailers, food delivery apps, ride-hailing, and travel platforms often work best with card payments, so as these services proliferate, so does card usage.

Consumer loan usage and slower growth trends

Credit cards and personal consumer loans differ fundamentally in structure, usage, and cost. Consumer loans in Ƶ are typically taken as a fixed amount to be repaid in installments over a set term, usually at relatively lower interest or profit rates.

They are often used for significant expenses like buying a car, financing education, or other big-ticket needs, and come with a structured repayment plan that helps borrowers budget effectively.

By contrast, a credit card provides a revolving credit line up to a predefined limit, with no fixed repayment period as long as the borrower makes minimum payments.

Traditional consumer loans, which are often called personal loans, remain much larger in absolute terms than credit card debt in Ƶ, but their growth has been relatively sluggish in recent quarters.

These loans — which exclude mortgages — totaled SR471 billion by the end of 2024, and saw annual growth in the mid-single digits compared to double-digit growth for credit cards.

In early 2024, growth was even slower. In the first quarter, consumer lending was up less than 1 percent year-on-year, and in the second quarter around 2 percent, before accelerating later in the year according to SAMA data.

Saudi Central Bank. File

The uses of consumer loans are generally for big one-time expenditures or needs. The largest defined sub-category is financing for vehicles, which accounted for roughly 2.5 percent to 3 percent of total consumer loans in 2024. Other specific purposes include education loans and loans for furniture and durable goods, and vehicle and private transport means.

The recent slower growth of consumer loans compared to credit cards can be attributed to a number of factors.

High interest rates over 2022 to 2023, as global rates climbed, made borrowing via fixed loans less attractive, potentially dampening demand. By contrast, credit card lines were often already in place and could be tapped without a new loan application.

Another factor is the growing availability of credit card installment plans and Buy Now, Pay Later services, which are increasingly used to cover expenses that previously required personal loans. 

With zero-interest installment offers and flexible repayment options — particularly appealing to younger consumers — many now prefer to finance mid-sized purchases through these tools rather than committing to long-term bank loans.

All of this has led to personal loan growth being moderate. Nonetheless, consumer loans did rise in absolute terms, primarily driven by continued needs for cars, education, and other big expenses. 

The credit card segment’s growth outpaced consumer loans by a wide margin, highlighting a shift in how Saudis finance their spending toward more flexible, short-term credit and digital payment tools, and slightly away from traditional fixed personal borrowing.