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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: 97 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
Adhikar35,3002,674,000172
AMPL00072
Arman41,500529,107,000172
Arohan43,5008,091,000272
ASA INDIA164,00015,380,000172
Asirvad113,50019,328,000172
Asmitha1,114,800217,867,000172
Bandhan4,048,600674,564,000572
Belstar123,00023,945,000251
BSFL275,20031,590,000372
Chaitanya20,7003,748,000372
Disha Microfin69,00014,332,000272
Equitas1,220,000186,415,000472
ESAF354,20043,500,000572
FFSL150,60035,719,000272
Fusion66,8009,820,000272
Grama Vidiyal738,200102,101,000172
Grameen Koota586,60083,555,0001574
Janalakshmi506,000119,077,000272
L & T Finance399,80037,199,000172
MFL331,80049,083,000172
MMFL175,00023,752,000272
Mpower13,6002,263,000272
Sahayata00072
Saija24,7004,682,000272
Samasta45,5004,809,000272
Satin405,60090,174,000272
SCCI115,60015,910,000272
Share2,195,400376,727,000172
SKS3,409,000355,029,000272
SMILE360,20056,927,000172
SNFL9,4001,779,000172
Sonata Finance158,20022,724,000374
Spandana533,400147,240,000272
Suryoday78,60014,713,000372
SVCL118,20018,886,000172
Swadhaar92,80017,166,000372
Trident68,7008,852,000172
Ujjivan913,300160,848,000572
Utkarsh168,60025,915,000372
VFS175,40019,264,000272
Asomi50,3004,743,0002105
AES India3,600286,0001105
Arth2,900611,0002105
Asomi50,3004,743,0002105
Barasat GS1,10099,508.021105
BJS6,000468,0001105
Cashpor417,00050,452,0001104
Credible10,0001,669,540.362105
DIBAKAR1,800145,0001104
GOF65,2005,388,0004104
Hope62,6004,407,0001102
Jaago2,700237,0001103
LOK4,900573,0001104
Nano25,6003,660,0002105
NBSAAVS28,1002,821,0001102
Nirantara8,200917,0002104
Parama7,100482,0001104
Pragathi26,2004,579,0006104
PWMACS36,5005,946,0001104
Saadhana90,90012,046,0002104
Sambhav1,500183,0003104
Seba Rahara6,700468,0001104
SU61,1005,498,0001104
Swayanshree7,900918,0002104
Vikas Samiti1,600168,0001104
Vistaar4,3001,157,0002102
We The People1,100244,0002104
WEMCS1,10085,0001104
Yukti1,10099,0002104
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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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