| 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 |
|---|---|---|---|---|
| KBL | 468,300 | 120,082,000 | 16 | 107 |
| KF | 233,600 | 41,416,000 | 4 | 106 |
| NRSP | 399,900 | 70,157,000 | 3 | 107 |
| ASA | 230,400 | 29,637,000 | 3 | 107 |
| TMFB | 221,200 | 85,449,000 | 7 | 107 |
| FMFB | 163,544 | 38,481,323 | 9 | 125 |
| TRDP | 100,000 | 13,817,000 | 3 | 107 |
| PRSP | 75,656 | 9,907,176 | 3 | 125 |
| BRAC^P | 57,300 | 11,869,000 | 3 | 107 |
| SRSO | 51,100 | 7,775,000 | 3 | 107 |
| SSF | 46,000 | 4,776,000 | 3 | 107 |
| FINCA | 82,000 | 43,559,000 | 9 | 107 |
| JWS | 36,000 | 6,545,000 | 2 | 107 |
| RCDS | 35,552 | 4,856,122 | 4 | 125 |
| DAMEN | 35,185 | 7,150,864 | 1 | 125 |
| FFO | 22,400 | 3,335,000 | 3 | 107 |
| OLP | 21,400 | 3,510,000 | 3 | 107 |
| CSC | 17,600 | 3,147,000 | 1 | 107 |
| AMRDO | 13,800 | 1,206,000 | 5 | 107 |
| WMBL | 13,800 | 6,105,000 | 3 | 107 |
| Mojaz | 13,400 | 2,415,000 | 2 | 107 |
| SDF | 11,500 | 1,041,000 | 4 | 107 |
| POMFB | 8,500 | 2,795,000 | 4 | 107 |
| OPD | 7,500 | 918,000 | 2 | 107 |
| AGAHE | 7,300 | 797,000 | 2 | 107 |
| NRDP | 6,184 | 1,521,972 | 3 | 125 |
| GBTI | 6,100 | 669,000 | 3 | 125 |
| WASIL | 4,300 | 1,135,000 | 2 | 107 |
| Micro Options | 4,000 | 768,000 | 5 | 107 |
| VDO | 3,900 | 489,000 | 3 | 125 |
| SVDP | 3,900 | 811,000 | 13 | 125 |
| SRDO | 3,500 | 766,000 | 4 | 107 |
| OSDI | 2,000 | 923,000 | 3 | 107 |
| APMBL | 1,800 | 1,401,000 | 3 | 107 |
| BEDF | 1,400 | 209,000 | 3 | 125 |
| KCDO | 800 | 94,000 | 1 | 125 |
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