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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: 100 months

Institution

Cooperativa de Ahorro y Credito 4 de Octubre Ltda Avda. Atahualpa s/n via a BañosAvda. Cordovez y Juan LarreaRiobamba, Chimborazo06-01-1471
Data approved: 2011-11-01
Data version: 1
Age of data: 107 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

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established1996
Head of InstitutionYolanda Haro Davila
Regions active
# Branches7

Total Portfolio (nat'l)USD 7,934,963.10
Total Portfolio (USD)USD 7,934,963.10
Active clients with loans2,059
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsRed Financiera Rural, Ucaccentro
FundersRed Financiera Rural, Ucaccentro

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 » Summary

293 Borrowers
USD 88,635 Portfolio
Active Product
2,001 Borrowers
USD 5,683,091 Portfolio
Active 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
Credi - Emergente USD 200 - 500 3 - 8 40% - 60% 40% - 60% Any Purpose Women, Men, Have business, Have home or land, Salaried worker, Hacer un ahorro mensual de minimo 10,00 mensuales durante 1 año.
Microcredito USD 100 - 20,000 1 - 48 80% - 100% 60% - 80% Business 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
Credi - Emergente 19.0% annual, Decl Bal 0 Fees 1 Ins None 10.00 ongoing 0% 0% N/A
Microcredito 18.0% annual, Decl Bal 0 Fees 1 Ins None 5.00 ongoing 0% 0% N/A

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
Credi - Emergente 19.0% annual, Decl Bal 0 Fees 1 Ins Ins None 10.00 ongoing 0% 0% N/A
Microcredito 18.0% annual, Decl Bal 0 Fees 1 Ins Ins None 5.00 ongoing 0% 0% N/A
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