2. Eclof Zambia
Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Bonzali Rural
Please note that the information you are viewing is 150 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Eclof International Zambia 7th Floor Kulima Tower BuildingKatunjila RoadLusaka10101
Data approved: 2011-12-12
Data version: 1
Age of data: 156 months

Institution

Bonzali Rural Bank KumbunguNorthern RegionPO Box 1197
Data approved: 2011-12-07
Data version: 1
Age of data: 150 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.eclof.org/
Year established1993
Head of InstitutionAnthony Moonga
Regions active
# Branches0

Total Portfolio (nat'l)ZMK 568,000,000
Total Portfolio (USD)USD 109,758.45
Active clients with loans462
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliationsAMIZ, Eclof International
Funders

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1990
Head of InstitutionMike D Tizaayel
Regions active
# Branches6

Total Portfolio (nat'l)GHS 3,838,180
Total Portfolio (USD)USD 1,948,314.72
Active clients with loans9,508
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsGHAMFIN, ARB
FundersTrias Ghana, Speed Ghana, Action Aid

Loan Products » Summary

Sol Group
125 Borrowers
USD 26,628.02 Portfolio
Active Product
SME
40 Borrowers
USD 39,806.76 Portfolio
Low Volume Product
Individual
35 Borrowers
USD 24,985.51 Portfolio
Low Volume Product
Salary
28 Borrowers
USD 19,903.38 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 » Summary

Agricultural
500 Borrowers
USD 77,932.49 Portfolio
Active Product
Microfinance
8,500 Borrowers
USD 1,068,071.07 Portfolio
Active Product
Commercial
400 Borrowers
USD 389,662.94 Portfolio
Active Product
Salary
1,000 Borrowers
USD 155,864.97 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Solidarity Group Loan ZMK 300,000 - 2,000,000 3 - 12 60% - 80% 80% - 100% Business Women, Men, Have business Group Mtgs, Tech Asst Visits, Business Training, Other Training
Individual Loan ZMK 4,500,000 - 7,000,000 3 - 12 60% - 80% 80% - 100% Business Women, Men, Have business Other Training
Salary Guaranteed Loan ZMK 1,500,000 - 10,000,000 1 - 12 40% - 60% 80% - 100% Any Purpose Women, Men, Salaried worker Group Mtgs, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan GHS 200 - 2,000 4 - 8 0% - 20% 0% - 20% Agriculture Women, Men Credit Educ, Group Mtgs, Business Training
Bonzali Microfinance Loan GHS 200 - 3,000 4 - 12 60% - 80% 0% - 20% Any Purpose Women, Men Credit Educ, Group Mtgs, Business Training
Commercial Loan GHS 500 - 3,000 6 - 12 80% - 100% 40% - 60% Business Women, Men, Have business Business Training
Personal and Salary Loan GHS 100 - 2,000 6 - 12 40% - 60% 60% - 80% Any Purpose Women, Men, Have business

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Solidarity Group Loan 60.0% annual, Flat 2 Fees 2 Ins None 25.0% upfront 140.2% - 201.6% 255.1% - 387.6% 20
Individual Loan 60.0% annual, Flat 2 Fees 2 Ins None 25.0% upfront 110.8% - 119.4% 180.1% - 205.1% 30
Salary Guaranteed Loan 96.0% annual, Flat 1 Fee 1 Ins None N/A 170.9% - 177.7% 176% - 187.3% 53

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 30.00% annual, Flat 1 Fee 0 Ins None 10.00% upfront 88.2% 102.4% 29
Bonzali Microfinance Loan 30.00% annual, Flat 1 Fee 0 Ins None 10.00% upfront 80.1% - 81.3% 96.5% - 100.8% 30
Commercial Loan 30.00% annual, Flat 1 Fee 0 Ins None 10.00 upfront 68.4% - 206.6% 69.7% - 212.3% 25
Personal and Salary Loan 30.00% annual, Flat 1 Fee 0 Ins None N/A 58.6% - 62.1% 58.6% - 62.1% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Solidarity Group Loan 60.0% annual, Flat 2 Fees 2 Ins Ins None 25.0% upfront 140.2% - 201.6% 255.1% - 387.6% 20
Individual Loan 60.0% annual, Flat 2 Fees 2 Ins Ins None 25.0% upfront 110.8% - 119.4% 180.1% - 205.1% 30
Salary Guaranteed Loan 96.0% annual, Flat 1 Fee 1 Ins Ins None N/A 170.9% - 177.7% 176% - 187.3% 53

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 30.00% annual, Flat 1 Fee 0 Ins Ins None 10.00% upfront 88.2% 102.4% 29
Bonzali Microfinance Loan 30.00% annual, Flat 1 Fee 0 Ins Ins None 10.00% upfront 80.1% - 81.3% 96.5% - 100.8% 30
Commercial Loan 30.00% annual, Flat 1 Fee 0 Ins Ins None 10.00 upfront 68.4% - 206.6% 69.7% - 212.3% 25
Personal and Salary Loan 30.00% annual, Flat 1 Fee 0 Ins Ins None N/A 58.6% - 62.1% 58.6% - 62.1% 50
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