Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,000171
AMPL00071
Arman41,500529,107,000171
Arohan43,5008,091,000271
ASA INDIA164,00015,380,000171
Asirvad113,50019,328,000171
Asmitha1,114,800217,867,000171
Bandhan4,048,600674,564,000571
Belstar123,00023,945,000250
BSFL275,20031,590,000371
Chaitanya20,7003,748,000371
Disha Microfin69,00014,332,000271
Equitas1,220,000186,415,000471
ESAF354,20043,500,000571
FFSL150,60035,719,000271
Fusion66,8009,820,000271
Grama Vidiyal738,200102,101,000171
Grameen Koota586,60083,555,0001573
Janalakshmi506,000119,077,000271
L & T Finance399,80037,199,000171
MFL331,80049,083,000171
MMFL175,00023,752,000271
Mpower13,6002,263,000271
Sahayata00071
Saija24,7004,682,000271
Samasta45,5004,809,000271
Satin405,60090,174,000271
SCCI115,60015,910,000271
Share2,195,400376,727,000171
SKS3,409,000355,029,000271
SMILE360,20056,927,000171
SNFL9,4001,779,000171
Sonata Finance158,20022,724,000373
Spandana533,400147,240,000271
Suryoday78,60014,713,000371
SVCL118,20018,886,000171
Swadhaar92,80017,166,000371
Trident68,7008,852,000171
Ujjivan913,300160,848,000571
Utkarsh168,60025,915,000371
VFS175,40019,264,000271
Asomi50,3004,743,0002104
AES India3,600286,0001104
Arth2,900611,0002104
Asomi50,3004,743,0002104
Barasat GS1,10099,508.021104
BJS6,000468,0001104
Cashpor417,00050,452,0001103
Credible10,0001,669,540.362104
DIBAKAR1,800145,0001103
GOF65,2005,388,0004103
Hope62,6004,407,0001101
Jaago2,700237,0001102
LOK4,900573,0001103
Nano25,6003,660,0002104
NBSAAVS28,1002,821,0001101
Nirantara8,200917,0002103
Parama7,100482,0001103
Pragathi26,2004,579,0006103
PWMACS36,5005,946,0001103
Saadhana90,90012,046,0002103
Sambhav1,500183,0003103
Seba Rahara6,700468,0001103
SU61,1005,498,0001103
Swayanshree7,900918,0002103
Vikas Samiti1,600168,0001103
Vistaar4,3001,157,0002101
We The People1,100244,0002103
WEMCS1,10085,0001103
Yukti1,10099,0002103
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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