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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: 101 months

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

Loan Products » Summary

549 Borrowers
USD 76,404.95 Portfolio
Active Product
9,244 Borrowers
USD 1,320,270.09 Portfolio
Active Product
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 » 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 » 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
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
Actuar Caldas3,7005,247,0001104
Actuar Quindio2,3002,800,0002104
Actuar Tolima8,8005,099,0003104
Amanecer4,3008,253,0004104
Banco Agrario56,30039,938,0003104
Banco WWB219,400294,019,000598
Bancolombia36,20051,563,0001104
BdO10,4007,945,0002104
Comerciacoop1,6003,255,0004104
Confiar43,80081,993,0007104
Congente5,40020,045,0002104
Contactar25,10020,184,0002104
Crezcamos27,50022,564,0004104
Finamerica39,80099,536,0007104
FMM Popayán310,000243,614,0003104
FMSD6,8009,236,0006104
Fomentamos900102,0001104
Fund DeLaMujer199,900165,568,0001104
Fund Oleoductos500435,000198
FUNDAUNIBAN6001,307,0002104
FUNDESAN2,4002,521,0005104
FUNDESMAG1,0001,698,0002104
Interactuar30,20093,846,0004104
MEDA15,60027,322,0002104
ProCredit CO5,70018,569,0003104
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Key Statistics
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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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