2. FINCA Zambia
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  2. SISDO
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Institution

Foundation for International Community Assistance (FINCA) Stand No. 4513 Madzimoyo Road, NorthmeadLusaka, Lusaka Province50061
Data approved: 2011-12-12
Data version: 1
Age of data: -   months 
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Institution

Smallholder Irrigation Schemes Development Organization (SISDO) NairobiKenyaPO Box 76622
Data approved: 2010-09-14
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.finca.org/
Year established2001
Head of InstitutionKeith Gary Sandbloom
Regions active0
# Branches7

Total Portfolio (nat'l)ZMK 17,703,826,092
Total Portfolio (USD)USD 3,421,029.20
Active clients with loans14,879
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliationsFINCA International
FundersInternational donors

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.sisdo.org/
Year established1991
Head of InstitutionJames N. Mwai
Regions active0
# Branches16

Total Portfolio (nat'l)KES 241,356,768
Total Portfolio (USD)USD 2,914,936.81
Active clients with loans9,804
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Loan Products » Summary

Business
1,997 Borrowers
USD 1,810,030.98 Portfolio
Active Product
Small Grp
3,112 Borrowers
USD 642,313.60 Portfolio
Active Product
Village
15,727 Borrowers
USD 884,262.61 Portfolio
Active Product

Loan Products » Summary

Asset
173 Borrowers
USD 34,668.82 Portfolio
Active Product
Daraja
681 Borrowers
USD 557,055.03 Portfolio
Active Product
Farm Input
885 Borrowers
USD 151,236.33 Portfolio
Active Product
Inua
7,139 Borrowers
USD 1,596,996.61 Portfolio
Active Product
School Fees
202 Borrowers
USD 20,875.19 Portfolio
Active Product
Zero Grazing
2,156 Borrowers
USD 444,858.02 Portfolio
Active Product
Individual
32 Borrowers
USD 83,607.56 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
Business Loan ZMK 1,500,000 - 50,000,000 4 - 12 40% - 60% 80% - 100% Business Women, Men, Have business, Must have a valid National Registration Card, Must have business or personal assets to pledge Tech Asst Visits, Credit Life Assurance and funeral benefits
Small Group Loans ZMK 1,200,000 - 10,000,000 6 - 12 60% - 80% 80% - 100% Business Women, Men, Have business, Must have a valid National Registration Card, Must be part of a selt selected group Funeral Benefits
Village Banking ZMK 150,000 - 7,000,000 4 - 6 60% - 80% 80% - 100% Business Women, Men, Have business, Have a valid National Registration Card, Be part of a self selected group Tech Asst Visits, Business Training, Other Training, Funeral benefits

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Asset Financing Loan KES 20,000 - 50,000 3 - 12 40% - 60% 40% - 60% Business, Housing Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Daraja Loan KES 50,000 - 100,000 3 - 12 40% - 60% 0% - 20% Business, Only working capital Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health Insurance - optional
Farm Inputs Loan KES 5,000 - 50,000 3 - 12 40% - 60% 0% - 20% Business Women, Men, Must be a farmer Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Inua Loan KES 5,000 - 50,000 3 - 12 40% - 60% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Health insurance - optional
School Fees Loan KES 3,000 - 50,000 3 - 12 60% - 80% 40% - 60% Education Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Zero Grazing Loan KES 10,000 - 50,000 3 - 18 40% - 60% 20% - 40% Agriculture, Improvement to shed, purchase of cow, chaff-cutter Women, Men, Farmers only Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Health insurance - optional

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 48.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 92.2% - 93.3% 116.5% - 118.4% 41
Small Group Loans 60.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 106% - 111.9% 133.3% - 140.6% 43
Village Banking 66.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 12,000.00 ongoing 127.6% 201.8% - 347.5% 27

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Asset Financing Loan 15.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 100.00 ongoing #N/A #N/A N/A
Daraja Loan 18.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 250.00 ongoing #N/A #N/A N/A
Farm Inputs Loan 18.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 100.00 ongoing #N/A #N/A N/A
Inua Loan 18.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 100.00 ongoing #N/A #N/A N/A
School Fees Loan 12.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 50.00 ongoing #N/A #N/A N/A
Zero Grazing Loan 18.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 100.00 ongoing #N/A #N/A N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 48.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 92.2% - 93.3% 116.5% - 118.4% 41
Small Group Loans 60.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 106% - 111.9% 133.3% - 140.6% 43
Village Banking 66.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 12,000.00 ongoing 127.6% 201.8% - 347.5% 27

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Asset Financing Loan 15.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 100.00 ongoing #N/A #N/A N/A
Daraja Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 250.00 ongoing #N/A #N/A N/A
Farm Inputs Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 100.00 ongoing #N/A #N/A N/A
Inua Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 100.00 ongoing #N/A #N/A N/A
School Fees Loan 12.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 50.00 ongoing #N/A #N/A N/A
Zero Grazing Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 100.00 ongoing #N/A #N/A N/A
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Loan Portfolio (USD)
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