2. Harmos
Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Ecofuturo
Please note that the information you are viewing is 123 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Harmos Microenterprise Development Ltd Baptist Training Center, Corner Makishi & Great East RdRhodesparkLusakaP.O. Box 33911
Data approved: 2011-12-12
Data version: 1
Age of data: 156 months

Institution

Ecofuturo S.A. Calle Mexico 1530 entre Otero de la Vega y Nicolas AcostaLa Paz
Data approved: 2013-12-31
Data version: 2
Age of data: 123 months
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2003
Head of InstitutionNkosilathi Moyo
Regions active
# Branches0

Total Portfolio (nat'l)ZMK 7,227,940,834
Total Portfolio (USD)USD 1,396,703.54
Active clients with loans9,803
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsAssociation of Microfinance Institutions in Zambia
FundersWorld Vision, Cordaid

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.ecofuturo.com.bo/
Year established1998
Head of InstitutionJoaquin Fernando Mompo Siles
Regions activeBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija
# Branches9

Total Portfolio (nat'l)BOB 1,640,984,134
Total Portfolio (USD)USD 243,108,760.60
Active clients with loans59,512
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliationsASOFIN
Funders

Loan Products » Summary

Agriculture
549 Borrowers
USD 76,404.95 Portfolio
Active Product
Business
9,244 Borrowers
USD 1,320,270.09 Portfolio
Active Product
Bicycle
16 Borrowers
USD 2,009.66 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 » Summary

Disponsible
48,785 Borrowers
USD 160,517,948.60 Portfolio
Active Product
DPF
4,888 Borrowers
USD 34,573,963 Portfolio
Active Product
Eco Viv BOB
880 Borrowers
USD 16,881,655.11 Portfolio
Active Product
Eco Viv USD
315 Borrowers
USD 5,152,482 Portfolio
Active Product
Eco Hag BOB
4,409 Borrowers
USD 9,713,484.89 Portfolio
Active Product
Retracted -Product
Retired Product
Indv BOB
Retired Product
Indv USD
Retired Product
Agro BOB
Retired Product
Agro USE
Retired Product
Consumo BOB
Retired Product
Consumo USD
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan ZMK 750,000 - 2,500,000 4 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training
Business Loan ZMK 500,000 - 90,000,000 3 - 12 60% - 80% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Eco - BOB BOB 350 - 3,500,000 3 - 120 20% - 40% 60% - 80% Business, Agriculture, Consumer, Education, Other Women, Men, Have business Credit Ins
Eco - USD USD 300 - 500,000 3 - 120 20% - 40% 60% - 80% Business, Agriculture, Consumer, Education, Other Women, Men, Have business Credit Ins
Eco - Vivienda (BOB) BOB 35,000 - 3,500,000 3 - 120 20% - 40% 60% - 80% Compra de Vivienda, Construcción Women, Men, Have business, Have home or land, Salaried worker Credit Ins
Eco - Vivienda (USD) USD 5,000 - 500,000 3 - 120 20% - 40% 60% - 80% Compra de Vivienda, Construcción Women, Men, Have business, Have home or land, Salaried worker Credit Ins
Eco - Hagar (BOB) BOB 3,500 - 68,600 3 - 48 20% - 40% 40% - 60% Construcción de Vivienda, Refacción, remodelación y ampliación Women, Men, Have business, Have home or land, Salaried worker Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins None N/A 99.3% - 104.2% 105.6% - 108.1% 47
Business Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins None 18.0% upfront 86.6% - 102.1% 124% - 144.9% 37

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Eco - BOB 10.0%-30.0% annual, Decl Bal 0 Fees 2 Ins None N/A 15% - 27.7% 16% - 29.3% 40
Eco - USD 9.2%-30.0% annual, Decl Bal 0 Fees 2 Ins None N/A 12% - 28.9% 13.8% - 30.5% 47
Eco - Vivienda (BOB) 6.0%-23.0% annual, Decl Bal 0 Fees 2 Ins None N/A 9.9% - 23.7% 11% - 24.8% 37
Eco - Vivienda (USD) 8.9%-26.0% annual, Decl Bal 0 Fees 2 Ins None N/A 11.4% - 25.7% 13.3% - 26.7% 47
Eco - Hagar (BOB) 11.0%-30.0% annual, Decl Bal 0 Fees 2 Ins None N/A 20.1% - 24.9% 21.1% - 26.6% 45

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins Ins None N/A 99.3% - 104.2% 105.6% - 108.1% 47
Business Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins Ins None 18.0% upfront 86.6% - 102.1% 124% - 144.9% 37

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Eco - BOB 10.0%-30.0% annual, Decl Bal 0 Fees 2 Ins Ins None N/A 15% - 27.7% 16% - 29.3% 40
Eco - USD 9.2%-30.0% annual, Decl Bal 0 Fees 2 Ins Ins None N/A 12% - 28.9% 13.8% - 30.5% 47
Eco - Vivienda (BOB) 6.0%-23.0% annual, Decl Bal 0 Fees 2 Ins Ins None N/A 9.9% - 23.7% 11% - 24.8% 37
Eco - Vivienda (USD) 8.9%-26.0% annual, Decl Bal 0 Fees 2 Ins Ins None N/A 11.4% - 25.7% 13.3% - 26.7% 47
Eco - Hagar (BOB) 11.0%-30.0% annual, Decl Bal 0 Fees 2 Ins Ins None N/A 20.1% - 24.9% 21.1% - 26.6% 45
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