Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,000173
AMPL00073
Arman41,500529,107,000173
Arohan43,5008,091,000273
ASA INDIA164,00015,380,000173
Asirvad113,50019,328,000173
Asmitha1,114,800217,867,000173
Bandhan4,048,600674,564,000573
Belstar123,00023,945,000252
BSFL275,20031,590,000373
Chaitanya20,7003,748,000373
Disha Microfin69,00014,332,000273
Equitas1,220,000186,415,000473
ESAF354,20043,500,000573
FFSL150,60035,719,000273
Fusion66,8009,820,000273
Grama Vidiyal738,200102,101,000173
Grameen Koota586,60083,555,0001575
Janalakshmi506,000119,077,000273
L & T Finance399,80037,199,000173
MFL331,80049,083,000173
MMFL175,00023,752,000273
Mpower13,6002,263,000273
Sahayata00073
Saija24,7004,682,000273
Samasta45,5004,809,000273
Satin405,60090,174,000273
SCCI115,60015,910,000273
Share2,195,400376,727,000173
SKS3,409,000355,029,000273
SMILE360,20056,927,000173
SNFL9,4001,779,000173
Sonata Finance158,20022,724,000375
Spandana533,400147,240,000273
Suryoday78,60014,713,000373
SVCL118,20018,886,000173
Swadhaar92,80017,166,000373
Trident68,7008,852,000173
Ujjivan913,300160,848,000573
Utkarsh168,60025,915,000373
VFS175,40019,264,000273
Asomi50,3004,743,0002106
AES India3,600286,0001106
Arth2,900611,0002106
Asomi50,3004,743,0002106
Barasat GS1,10099,508.021106
BJS6,000468,0001106
Cashpor417,00050,452,0001105
Credible10,0001,669,540.362106
DIBAKAR1,800145,0001105
GOF65,2005,388,0004105
Hope62,6004,407,0001103
Jaago2,700237,0001104
LOK4,900573,0001105
Nano25,6003,660,0002106
NBSAAVS28,1002,821,0001103
Nirantara8,200917,0002105
Parama7,100482,0001105
Pragathi26,2004,579,0006105
PWMACS36,5005,946,0001105
Saadhana90,90012,046,0002105
Sambhav1,500183,0003105
Seba Rahara6,700468,0001105
SU61,1005,498,0001105
Swayanshree7,900918,0002105
Vikas Samiti1,600168,0001105
Vistaar4,3001,157,0002103
We The People1,100244,0002105
WEMCS1,10085,0001105
Yukti1,10099,0002105
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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