Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,000290
Ahantaman RB23,8009,896,000472
APED13,7001,876,000272
ASA Initiative4,400577,000472
ASA-Ghana71,60018,385,000272
ASPI80088,000672
Atwima Kwanwoma3,8001,788,000272
Baobab5,100967,000272
BestFUND13,0004,172,000372
Bonzali Rural10,4001,691,000490
CashPhase83135,000272
CASUD1,100524,000172
CEDEF50054,000472
CFF10013,000172
CRAN3,6001,019,000272
DQF1,70063,000272
EASL9,20011,409,000672
East Mamprusi12,5002,268,000472
ELDA00072
EMPRETEC Ghana20056,000272
FASL13,50014,047,000872
Grameen Ghana9,500507,000372
ID-Ghana5,600953,000372
Innovative Finance2,700354,000372
Kraban Support7,700781,000590
KRB4,0006,350,000372
Lower Pra RB34,0006,316,000390
Maata-N-Tudu12,000941,000472
Mail Finance300288,000172
Markaz00072
Markaz Al Bishara10017,000172
MicrofinPlus Gh1,100251,000272
Nwabiagya RB4,0002,265,000372
OISL62,00027,232,000972
Pro Credit00072
Rich Step100101,000172
SAT147,60029,359,000472
Sekam Trust600137,000272
Simli Pong8,900463,000390
SS Ghana20035,000172
TCCU10032,000372
The Bridge40032,000390
Union RB3,8002,361,000472
Please note that the information you are viewing is 96 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: 96 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
Institution Price Graph
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