Institution # Borrowers Portfolio (US$) Products Age of Data
AgroCapital21,90016,894,00011106
ANED5,4006,579,000364
Banco FIE231,100569,322,000664
BancoSol215,300861,418,0003064
CIDRE8,500126,578,000864
Coop Fatima6,30044,280,0007106
CRECER166,900134,626,0001364
Diaconia67,00085,734,000264
Ecofuturo59,200226,839,000564
EMPRENDER8,7002,380,0003106
Fassil FFP57,600325,081,000564
FONCRESOL3,9009,573,000364
FONDECO14,20024,274,000364
Fortaleza20,100164,530,0001364
FUBODE29,40024,444,000764
FUNBODEM8,60015,798,000964
IDEPRO10,40040,479,000264
IMPRO2,4002,885,000464
ProCredit84,300257,487,0008106
PRODEM44,90062,529,000464
ProMujer BOL115,20050,753,000364
Sartawi14,60026,842,000864
Please note that the information you are viewing is 98 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Harmos Microenterprise Development Ltd Baptist Training Center, Corner Makishi & Great East RdRhodesparkLusakaP.O. Box 33911
Data approved: 2011-12-12
Data version: 1
Age of data: 98 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2003
Head of InstitutionNkosilathi Moyo
Regions active
# Branches0

Total Portfolio (nat'l)ZMK 7,227,940,834
Total Portfolio (USD)USD 1,396,703.54
Active clients with loans9,803
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsAssociation of Microfinance Institutions in Zambia
FundersWorld Vision, Cordaid

Loan Products » Summary

549 Borrowers
USD 76,404.95 Portfolio
Active Product
9,244 Borrowers
USD 1,320,270.09 Portfolio
Active Product
16 Borrowers
USD 2,009.66 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan ZMK 750,000 - 2,500,000 4 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training
Business Loan ZMK 500,000 - 90,000,000 3 - 12 60% - 80% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins None N/A 99.3% - 104.2% 105.6% - 108.1% 47
Business Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins None 18.0% upfront 86.6% - 102.1% 124% - 144.9% 37
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