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Institution

CETZAM Financial Services PLC CETZAM HousePrivate Bag E760Lusaka10101
Data approved: 2011-12-12
Data version: 1
Age of data: 102 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
AGFS20047,000295
Ahantaman RB23,8009,896,000477
APED13,7001,876,000277
ASA Initiative4,400577,000477
ASA-Ghana71,60018,385,000277
ASPI80088,000677
Atwima Kwanwoma3,8001,788,000277
Baobab5,100967,000277
BestFUND13,0004,172,000377
Bonzali Rural10,4001,691,000495
CashPhase83135,000277
CASUD1,100524,000177
CEDEF50054,000477
CFF10013,000177
CRAN3,6001,019,000277
DQF1,70063,000277
EASL9,20011,409,000677
East Mamprusi12,5002,268,000477
ELDA00077
EMPRETEC Ghana20056,000277
FASL13,50014,047,000877
Grameen Ghana9,500507,000377
ID-Ghana5,600953,000377
Innovative Finance2,700354,000377
Kraban Support7,700781,000595
KRB4,0006,350,000377
Lower Pra RB34,0006,316,000395
Maata-N-Tudu12,000941,000477
Mail Finance300288,000177
Markaz00077
Markaz Al Bishara10017,000177
MicrofinPlus Gh1,100251,000277
Nwabiagya RB4,0002,265,000377
OISL62,00027,232,000977
Pro Credit00077
Rich Step100101,000177
SAT147,60029,359,000477
Sekam Trust600137,000277
Simli Pong8,900463,000395
SS Ghana20035,000177
TCCU10032,000377
The Bridge40032,000395
Union RB3,8002,361,000477
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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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