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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
Adhikar35,3002,674,000176
AMPL00076
Arman41,500529,107,000176
Arohan43,5008,091,000276
ASA INDIA164,00015,380,000176
Asirvad113,50019,328,000176
Asmitha1,114,800217,867,000176
Bandhan4,048,600674,564,000576
Belstar123,00023,945,000255
BSFL275,20031,590,000376
Chaitanya20,7003,748,000376
Disha Microfin69,00014,332,000276
Equitas1,220,000186,415,000476
ESAF354,20043,500,000576
FFSL150,60035,719,000276
Fusion66,8009,820,000276
Grama Vidiyal738,200102,101,000176
Grameen Koota586,60083,555,0001578
Janalakshmi506,000119,077,000276
L & T Finance399,80037,199,000176
MFL331,80049,083,000176
MMFL175,00023,752,000276
Mpower13,6002,263,000276
Sahayata00076
Saija24,7004,682,000276
Samasta45,5004,809,000276
Satin405,60090,174,000276
SCCI115,60015,910,000276
Share2,195,400376,727,000176
SKS3,409,000355,029,000276
SMILE360,20056,927,000176
SNFL9,4001,779,000176
Sonata Finance158,20022,724,000378
Spandana533,400147,240,000276
Suryoday78,60014,713,000376
SVCL118,20018,886,000176
Swadhaar92,80017,166,000376
Trident68,7008,852,000176
Ujjivan913,300160,848,000576
Utkarsh168,60025,915,000376
VFS175,40019,264,000276
Asomi50,3004,743,0002109
AES India3,600286,0001109
Arth2,900611,0002109
Asomi50,3004,743,0002109
Barasat GS1,10099,508.021109
BJS6,000468,0001109
Cashpor417,00050,452,0001108
Credible10,0001,669,540.362109
DIBAKAR1,800145,0001108
GOF65,2005,388,0004108
Hope62,6004,407,0001106
Jaago2,700237,0001107
LOK4,900573,0001108
Nano25,6003,660,0002109
NBSAAVS28,1002,821,0001106
Nirantara8,200917,0002108
Parama7,100482,0001108
Pragathi26,2004,579,0006108
PWMACS36,5005,946,0001108
Saadhana90,90012,046,0002108
Sambhav1,500183,0003108
Seba Rahara6,700468,0001108
SU61,1005,498,0001108
Swayanshree7,900918,0002108
Vikas Samiti1,600168,0001108
Vistaar4,3001,157,0002106
We The People1,100244,0002108
WEMCS1,10085,0001108
Yukti1,10099,0002108
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Key Statistics
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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