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
Adhikar35,3002,674,000174
AMPL00074
Arman41,500529,107,000174
Arohan43,5008,091,000274
ASA INDIA164,00015,380,000174
Asirvad113,50019,328,000174
Asmitha1,114,800217,867,000174
Bandhan4,048,600674,564,000574
Belstar123,00023,945,000253
BSFL275,20031,590,000374
Chaitanya20,7003,748,000374
Disha Microfin69,00014,332,000274
Equitas1,220,000186,415,000474
ESAF354,20043,500,000574
FFSL150,60035,719,000274
Fusion66,8009,820,000274
Grama Vidiyal738,200102,101,000174
Grameen Koota586,60083,555,0001576
Janalakshmi506,000119,077,000274
L & T Finance399,80037,199,000174
MFL331,80049,083,000174
MMFL175,00023,752,000274
Mpower13,6002,263,000274
Sahayata00074
Saija24,7004,682,000274
Samasta45,5004,809,000274
Satin405,60090,174,000274
SCCI115,60015,910,000274
Share2,195,400376,727,000174
SKS3,409,000355,029,000274
SMILE360,20056,927,000174
SNFL9,4001,779,000174
Sonata Finance158,20022,724,000376
Spandana533,400147,240,000274
Suryoday78,60014,713,000374
SVCL118,20018,886,000174
Swadhaar92,80017,166,000374
Trident68,7008,852,000174
Ujjivan913,300160,848,000574
Utkarsh168,60025,915,000374
VFS175,40019,264,000274
Asomi50,3004,743,0002107
AES India3,600286,0001107
Arth2,900611,0002107
Asomi50,3004,743,0002107
Barasat GS1,10099,508.021107
BJS6,000468,0001107
Cashpor417,00050,452,0001106
Credible10,0001,669,540.362107
DIBAKAR1,800145,0001106
GOF65,2005,388,0004106
Hope62,6004,407,0001104
Jaago2,700237,0001105
LOK4,900573,0001106
Nano25,6003,660,0002107
NBSAAVS28,1002,821,0001104
Nirantara8,200917,0002106
Parama7,100482,0001106
Pragathi26,2004,579,0006106
PWMACS36,5005,946,0001106
Saadhana90,90012,046,0002106
Sambhav1,500183,0003106
Seba Rahara6,700468,0001106
SU61,1005,498,0001106
Swayanshree7,900918,0002106
Vikas Samiti1,600168,0001106
Vistaar4,3001,157,0002104
We The People1,100244,0002106
WEMCS1,10085,0001106
Yukti1,10099,0002106
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