Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,0001131
AMPL000131
Arman41,500529,107,0001131
Arohan43,5008,091,0002131
ASA INDIA164,00015,380,0001131
Asirvad113,50019,328,0001131
Asmitha1,114,800217,867,0001131
Bandhan4,048,600674,564,0005131
Belstar123,00023,945,0002110
BSFL275,20031,590,0003131
Chaitanya20,7003,748,0003131
Disha Microfin69,00014,332,0002131
Equitas1,220,000186,415,0004131
ESAF354,20043,500,0005131
FFSL150,60035,719,0002131
Fusion66,8009,820,0002131
Grama Vidiyal738,200102,101,0001131
Grameen Koota586,60083,555,00015133
Janalakshmi506,000119,077,0002131
L & T Finance399,80037,199,0001131
MFL331,80049,083,0001131
MMFL175,00023,752,0002131
Mpower13,6002,263,0002131
Sahayata000131
Saija24,7004,682,0002131
Samasta45,5004,809,0002131
Satin405,60090,174,0002131
SCCI115,60015,910,0002131
Share2,195,400376,727,0001131
SKS3,409,000355,029,0002131
SMILE360,20056,927,0001131
SNFL9,4001,779,0001131
Sonata Finance158,20022,724,0003133
Spandana533,400147,240,0002131
Suryoday78,60014,713,0003131
SVCL118,20018,886,0001131
Swadhaar92,80017,166,0003131
Trident68,7008,852,0001131
Ujjivan913,300160,848,0005131
Utkarsh168,60025,915,0003131
VFS175,40019,264,0002131
Asomi50,3004,743,0002163
AES India3,600286,0001163
Arth2,900611,0002163
Asomi50,3004,743,0002163
Barasat GS1,10099,508.021163
BJS6,000468,0001163
Cashpor417,00050,452,0001162
Credible10,0001,669,540.362163
DIBAKAR1,800145,0001162
GOF65,2005,388,0004162
Hope62,6004,407,0001160
Jaago2,700237,0001161
LOK4,900573,0001162
Nano25,6003,660,0002163
NBSAAVS28,1002,821,0001160
Nirantara8,200917,0002162
Parama7,100482,0001162
Pragathi26,2004,579,0006162
PWMACS36,5005,946,0001162
Saadhana90,90012,046,0002162
Sambhav1,500183,0003162
Seba Rahara6,700468,0001162
SU61,1005,498,0001162
Swayanshree7,900918,0002162
Vikas Samiti1,600168,0001162
Vistaar4,3001,157,0002160
We The People1,100244,0002162
WEMCS1,10085,0001162
Yukti1,10099,0002162
Please note that the information you are viewing is 155 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: 155 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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