Institution # Borrowers Portfolio (US$) Products Age of Data
1st Valley Bank38,90048,291,000391
AJDFI13,100884,000691
ARDCI44,6009,403,000191
ASA Philippines333,40029,282,000191
ASHI35,4005,231,000691
ASKI60,00015,247,000491
Bangko Kabayan8,9002,373,000291
BSEI60073,000291
CBI8,1002,010,000591
CCT70,3009,504,000491
CEV35,4005,111,000491
DSPI59,3003,676,000391
ECLOF5,4001,836,000491
FCB12,0002,392,000291
FMB2,700710,000291
GM Bank23,5001,553,000391
HSPFI19,1001,899,000291
JVOFI1,300281,000191
Katipunan Bank42,1005,325,000291
KDCI20,5002,095,000391
KGI32,3003,421,000491
KMBI245,00015,098,000191
LTMPC37,4008,935,000391
Mallig Plains6,500641,000291
MILAMDEC29,8003,278,000291
MWIMPC11,8001,740,000490
NWTF105,50012,698,000591
OFMPC4,400964,000191
PBC50,70010,434,000491
PCSD700167,000191
PMPC23,5005,565,000891
RB Angeles9001,502,000291
RB Labason500289,000191
RBLI5,2001,026,000291
RBMI11,9001,750,000291
RMB100173,000191
RSPI39,6002,834,000491
SAFRAGEMC1,100229,000191
Salve10,9001,191,000391
SEDP27,0003,914,000391
TSKI212,90025,187,000291
TSPI264,50031,290,000791
Valient1,700672,000291
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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