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Institution

Empowerment Micro Finance institution ltd 72, Sikoongo RoadSiavonga, Zambia, Souther ProvinceP.O.BOX 183
Data approved: 2011-12-12
Data version: 1
Age of data: 113 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.celim.it/
Year established2008
Head of InstitutionElisa Morrone
Regions active
# Branches2

Total Portfolio (nat'l)ZMK 2,360,550,702
Total Portfolio (USD)USD 456,145.06
Active clients with loans1,559
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsAmiz, Mix Market
FundersRural Finance Programme/IFAD, European Union, CeLIM NGO

Loan Products » Summary

73 Borrowers
USD 38,260.87 Portfolio
Active Product
870 Borrowers
USD 343,257.28 Portfolio
Active Product
51 Borrowers
USD 18,014.51 Portfolio
Active Product
521 Borrowers
USD 46,667.90 Portfolio
Active Product
30 Borrowers
USD 1,352.66 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
Agricultural Input Loan ZMK 2,000,000 - 6,000,000 10 - 11 20% - 40% 0% - 20% Business, Agriculture Women, Men, Small scale farmers, minimum one hectare Business Training, Microcredit Scheme
Individual Loan ZMK 500,000 - 7,000,000 4 - 12 40% - 60% 0% - 20% Business Women, Men, Have business Credit Ins, Household Approach, Monthly follow up of clients
Salary Backed Loan ZMK 500,000 - 7,000,000 2 - 10 20% - 40% 60% - 80% Any Purpose Women, Men, Salaried worker
Solidarity Group Loan ZMK 400,000 - 1,200,000 4 - 10 60% - 80% 0% - 20% Business Women, Men, Have business Record Keeping Training, Household Approach Training, Monthly Monitoring

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Input Loan 42.0% annual, Flat 0 Fees 1 Ins None N/A 56.6% - 56.8% 64.4% - 64.6% 65
Individual Loan 48.0% annual, Flat 1 Fee 0 Ins None N/A 69.7% - 82.9% 69.7% - 82.9% 62
Salary Backed Loan 30.0%-42.0% annual, Flat 1 Fee 0 Ins None N/A 48.9% - 50.6% 48.9% - 50.6% 60
Solidarity Group Loan 42.0%-60.0% annual, Flat 1 Fee 0 Ins None N/A 68.6% - 96% 68.6% - 96% 50
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
1st Valley Bank38,90048,291,0003108
AJDFI13,100884,0006108
ARDCI44,6009,403,0001108
ASA Philippines333,40029,282,0001108
ASHI35,4005,231,0006108
ASKI60,00015,247,0004108
Bangko Kabayan8,9002,373,0002108
BSEI60073,0002108
CBI8,1002,010,0005108
CCT70,3009,504,0004108
CEV35,4005,111,0004108
DSPI59,3003,676,0003108
ECLOF5,4001,836,0004108
FCB12,0002,392,0002108
FMB2,700710,0002108
GM Bank23,5001,553,0003108
HSPFI19,1001,899,0002108
JVOFI1,300281,0001108
Katipunan Bank42,1005,325,0002108
KDCI20,5002,095,0003108
KGI32,3003,421,0004108
KMBI245,00015,098,0001108
LTMPC37,4008,935,0003108
Mallig Plains6,500641,0002108
MILAMDEC29,8003,278,0002108
MWIMPC11,8001,740,0004107
NWTF105,50012,698,0005108
OFMPC4,400964,0001108
PBC50,70010,434,0004108
PCSD700167,0001108
PMPC23,5005,565,0008108
RB Angeles9001,502,0002108
RB Labason500289,0001108
RBLI5,2001,026,0002108
RBMI11,9001,750,0002108
RMB100173,0001108
RSPI39,6002,834,0004108
SAFRAGEMC1,100229,0001108
Salve10,9001,191,0003108
SEDP27,0003,914,0003108
TSKI212,90025,187,0002108
TSPI264,50031,290,0007108
Valient1,700672,0002108
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Key Statistics
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# Borrowers
Loan Portfolio (USD)
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% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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