Please note that the information you are viewing is 99 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: 99 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 Caldas3,7005,247,0001102
Actuar Quindio2,3002,800,0002102
Actuar Tolima8,8005,099,0003102
Amanecer4,3008,253,0004102
Banco Agrario56,30039,938,0003102
Banco WWB219,400294,019,000597
Bancolombia36,20051,563,0001102
BdO10,4007,945,0002102
Comerciacoop1,6003,255,0004102
Confiar43,80081,993,0007102
Congente5,40020,045,0002102
Contactar25,10020,184,0002102
Crezcamos27,50022,564,0004102
Finamerica39,80099,536,0007102
FMM Popayán310,000243,614,0003102
FMSD6,8009,236,0006102
Fomentamos900102,0001102
Fund DeLaMujer199,900165,568,0001102
Fund Oleoductos500435,000197
FUNDAUNIBAN6001,307,0002102
FUNDESAN2,4002,521,0005102
FUNDESMAG1,0001,698,0002102
Interactuar30,20093,846,0004102
MEDA15,60027,322,0002102
ProCredit CO5,70018,569,0003102
Caps / Zoom options
Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to