Institution # Borrowers Portfolio (US$) Products Age of Data
KBL468,300120,082,0001648
KF233,60041,416,000447
NRSP399,90070,157,000348
ASA230,40029,637,000348
TMFB221,20085,449,000748
FMFB163,54438,481,323966
TRDP100,00013,817,000348
PRSP75,6569,907,176366
BRAC^P57,30011,869,000348
SRSO51,1007,775,000348
SSF46,0004,776,000348
FINCA82,00043,559,000948
JWS36,0006,545,000248
RCDS35,5524,856,122466
DAMEN35,1857,150,864166
FFO22,4003,335,000348
OLP21,4003,510,000348
CSC17,6003,147,000148
AMRDO13,8001,206,000548
WMBL13,8006,105,000348
Mojaz13,4002,415,000248
SDF11,5001,041,000448
POMFB8,5002,795,000448
OPD7,500918,000248
AGAHE7,300797,000248
NRDP6,1841,521,972366
GBTI6,100669,000366
WASIL4,3001,135,000248
Micro Options4,000768,000548
VDO3,900489,000366
SVDP3,900811,0001366
SRDO3,500766,000448
OSDI2,000923,000348
APMBL1,8001,401,000348
BEDF1,400209,000366
KCDO80094,000166
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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