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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: 100 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 Bank38,90048,291,000395
AJDFI13,100884,000695
ARDCI44,6009,403,000195
ASA Philippines333,40029,282,000195
ASHI35,4005,231,000695
ASKI60,00015,247,000495
Bangko Kabayan8,9002,373,000295
BSEI60073,000295
CBI8,1002,010,000595
CCT70,3009,504,000495
CEV35,4005,111,000495
DSPI59,3003,676,000395
ECLOF5,4001,836,000495
FCB12,0002,392,000295
FMB2,700710,000295
GM Bank23,5001,553,000395
HSPFI19,1001,899,000295
JVOFI1,300281,000195
Katipunan Bank42,1005,325,000295
KDCI20,5002,095,000395
KGI32,3003,421,000495
KMBI245,00015,098,000195
LTMPC37,4008,935,000395
Mallig Plains6,500641,000295
MILAMDEC29,8003,278,000295
MWIMPC11,8001,740,000494
NWTF105,50012,698,000595
OFMPC4,400964,000195
PBC50,70010,434,000495
PCSD700167,000195
PMPC23,5005,565,000895
RB Angeles9001,502,000295
RB Labason500289,000195
RBLI5,2001,026,000295
RBMI11,9001,750,000295
RMB100173,000195
RSPI39,6002,834,000495
SAFRAGEMC1,100229,000195
Salve10,9001,191,000395
SEDP27,0003,914,000395
TSKI212,90025,187,000295
TSPI264,50031,290,000795
Valient1,700672,000295
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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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