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Institution

CETZAM Financial Services PLC CETZAM HousePrivate Bag E760Lusaka10101
Data approved: 2011-12-12
Data version: 1
Age of data: 114 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addressN/A
Year established1996
Head of InstitutionDyson Mandivenga
Regions active
# Branches5

Total Portfolio (nat'l)ZMK 15,315,329,318
Total Portfolio (USD)USD 2,959,483.93
Active clients with loans6,399
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsAMIZ, Opportunity International Network, AMT, INAFI
FundersDevelopment Aid from People to People (DAPP), HIVOS

Loan Products » Summary

527 Borrowers
USD 102,699.48 Portfolio
Active Product
1,909 Borrowers
USD 1,635,389.80 Portfolio
Active Product
2,729 Borrowers
USD 444,139.75 Portfolio
Active Product
1,548 Borrowers
USD 28,206.06 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan ZMK 800,000 - 2,000,000 3 - 6 60% - 80% 0% - 20% Business, Agriculture activities Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Individual Loan ZMK 2,000,000 - 250,000,000 3 - 24 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training
Solidarity Group Loan ZMK 1,000,000 - 5,000,000 3 - 10 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Tech Asst Visits
Trust Bank Loan ZMK 50,000 - 1,500,000 4 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, 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 48.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 63.8% - 64.2% 73.5% - 74% 65
Individual Loan 60.0%-78.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 138.3% - 141.3% 167.4% - 177.5% 34
Solidarity Group Loan 72.0%-78.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 138.1% - 143.8% 165.7% - 171.5% 42
Trust Bank Loan 60.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 179.3% - 198% 213.7% - 243.9% 26
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,0002108
Ahantaman RB23,8009,896,000490
APED13,7001,876,000290
ASA Initiative4,400577,000490
ASA-Ghana71,60018,385,000290
ASPI80088,000690
Atwima Kwanwoma3,8001,788,000290
Baobab5,100967,000290
BestFUND13,0004,172,000390
Bonzali Rural10,4001,691,0004108
CashPhase83135,000290
CASUD1,100524,000190
CEDEF50054,000490
CFF10013,000190
CRAN3,6001,019,000290
DQF1,70063,000290
EASL9,20011,409,000690
East Mamprusi12,5002,268,000490
ELDA00090
EMPRETEC Ghana20056,000290
FASL13,50014,047,000890
Grameen Ghana9,500507,000390
ID-Ghana5,600953,000390
Innovative Finance2,700354,000390
Kraban Support7,700781,0005108
KRB4,0006,350,000390
Lower Pra RB34,0006,316,0003108
Maata-N-Tudu12,000941,000490
Mail Finance300288,000190
Markaz00090
Markaz Al Bishara10017,000190
MicrofinPlus Gh1,100251,000290
Nwabiagya RB4,0002,265,000390
OISL62,00027,232,000990
Pro Credit00090
Rich Step100101,000190
SAT147,60029,359,000490
Sekam Trust600137,000290
Simli Pong8,900463,0003108
SS Ghana20035,000190
TCCU10032,000390
The Bridge40032,0003108
Union RB3,8002,361,000490
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Key Statistics
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# Products
# Institutions
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# Borrowers
Loan Portfolio (USD)
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% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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