Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.finca.org/ |
Year established | 2001 |
Head of Institution | Thomas Lendzian |
Regions active | Central Province, Copperbelt Province, Eastern Province, Lusaka Province, Southern Province |
# Branches | 14 |
Total Portfolio (nat'l) | ZMW 105,140,570 |
Total Portfolio (USD) | USD 16,420,850.34 |
Active clients with loans | 43,773 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 60% - 80% |
Network affiliations | FINCA International |
Funders | INVESTOR! FINCA MICROFINANCE COOPERATIEF U.A. (NETHERLANDS), DONOR! MASTERCARD FOUNDATION |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loans | ZMW 1,500 - 100,000 | 6 - 24 | 60% - 80% | 20% - 40% | Business | Women, Men, Have business, Must have a valid National Registration Card, Must have business or personal assets to pledge | Credit Ins | |||||||
Small Group Loan | ZMW 1,200 - 15,000 | 6 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business, Must be a member of a self selected solidarity group | Group Mtgs, Credit Ins | |||||||
Village Banking Loans | ZMW 150 - 12,500 | 6 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business, Must be a member of a self selected village bank | Credit Educ, Group Mtgs, Credit Ins, Funeral benefits | |||||||
Small Enterprise Loan | ZMW 100,000 - 600,000 | 12 - 36 | 60% - 80% | 20% - 40% | Business | Women, Men, Have business | Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loans | 51.4%-52.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 66.7% - 79% | 68.4% - 81.4% | 69 | ||||||||
Small Group Loan | 52.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 70.3% - 91% | 72.6% - 95.2% | 63 | ||||||||
Village Banking Loans | 52.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 74.9% - 91.2% | 77.8% - 95.4% | 59 | ||||||||
Small Enterprise Loan | 49.6% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 0% | 0% | N/A |
Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
Banco Solidario | 79,700 | 221,716,000 | 1 | 162 |
CEPESIU | 2,000 | 939,000 | 4 | 162 |
COAC 4 Octubre | 2,200 | 5,771,000 | 2 | 162 |
COAC Ambato | 1,300 | 16,415,000 | 2 | 162 |
COAC FondVida | 2,500 | 4,200,000 | 4 | 162 |
COAC LaBenefica | 2,500 | 8,482,000 | 6 | 162 |
COAC MCCH | 5,300 | 10,020,000 | 2 | 162 |
COAC Nacional | 30,700 | 27,129,000 | 2 | 162 |
COAC San José | 10,400 | 29,133,000 | 5 | 162 |
COAC SanAntonio | 1,000 | 2,384,000 | 3 | 162 |
COAC SantaAnita | 2,000 | 2,532,000 | 6 | 162 |
Codesarrollo | 14,400 | 40,328,000 | 7 | 162 |
Coop San Miguel | 1,800 | 4,754,000 | 5 | 159 |
CooP VPR | 700 | 1,052,000 | 4 | 162 |
Cooprogreso | 7,900 | 32,244,000 | 4 | 162 |
Credi Fe | 100,900 | 380,039,000 | 4 | 162 |
D^Miro | 36,900 | 27,692,000 | 9 | 155 |
DECOF | 2,200 | 705,000 | 2 | 162 |
Espoir | 62,100 | 21,036,000 | 5 | 162 |
FODEMI | 28,200 | 12,924,000 | 3 | 162 |
Fundacion Alternativa | 4,300 | 5,545,000 | 2 | 162 |
FUNDAMIC | 2,000 | 1,468,000 | 2 | 162 |
INSOTEC | 7,000 | 6,047,000 | 4 | 162 |
Luz del Valle | 6,400 | 11,300,000 | 3 | 162 |
ProCredit | 43,800 | 211,941,000 | 2 | 162 |
PS Ambato | 5,600 | 2,771,000 | 1 | 162 |
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