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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: 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
KBL468,300120,082,0001649
KF233,60041,416,000448
NRSP399,90070,157,000349
ASA230,40029,637,000349
TMFB221,20085,449,000749
FMFB163,54438,481,323967
TRDP100,00013,817,000349
PRSP75,6569,907,176367
BRAC^P57,30011,869,000349
SRSO51,1007,775,000349
SSF46,0004,776,000349
FINCA82,00043,559,000949
JWS36,0006,545,000249
RCDS35,5524,856,122467
DAMEN35,1857,150,864167
FFO22,4003,335,000349
OLP21,4003,510,000349
CSC17,6003,147,000149
AMRDO13,8001,206,000549
WMBL13,8006,105,000349
Mojaz13,4002,415,000249
SDF11,5001,041,000449
POMFB8,5002,795,000449
OPD7,500918,000249
AGAHE7,300797,000249
NRDP6,1841,521,972367
GBTI6,100669,000367
WASIL4,3001,135,000249
Micro Options4,000768,000549
VDO3,900489,000367
SVDP3,900811,0001367
SRDO3,500766,000449
OSDI2,000923,000349
APMBL1,8001,401,000349
BEDF1,400209,000367
KCDO80094,000167
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Key Statistics
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# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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