Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,000291
Ahantaman RB23,8009,896,000473
APED13,7001,876,000273
ASA Initiative4,400577,000473
ASA-Ghana71,60018,385,000273
ASPI80088,000673
Atwima Kwanwoma3,8001,788,000273
Baobab5,100967,000273
BestFUND13,0004,172,000373
Bonzali Rural10,4001,691,000491
CashPhase83135,000273
CASUD1,100524,000173
CEDEF50054,000473
CFF10013,000173
CRAN3,6001,019,000273
DQF1,70063,000273
EASL9,20011,409,000673
East Mamprusi12,5002,268,000473
ELDA00073
EMPRETEC Ghana20056,000273
FASL13,50014,047,000873
Grameen Ghana9,500507,000373
ID-Ghana5,600953,000373
Innovative Finance2,700354,000373
Kraban Support7,700781,000591
KRB4,0006,350,000373
Lower Pra RB34,0006,316,000391
Maata-N-Tudu12,000941,000473
Mail Finance300288,000173
Markaz00073
Markaz Al Bishara10017,000173
MicrofinPlus Gh1,100251,000273
Nwabiagya RB4,0002,265,000373
OISL62,00027,232,000973
Pro Credit00073
Rich Step100101,000173
SAT147,60029,359,000473
Sekam Trust600137,000273
Simli Pong8,900463,000391
SS Ghana20035,000173
TCCU10032,000373
The Bridge40032,000391
Union RB3,8002,361,000473
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
Institution Price Graph
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