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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
1st Valley Bank38,90048,291,000394
AJDFI13,100884,000694
ARDCI44,6009,403,000194
ASA Philippines333,40029,282,000194
ASHI35,4005,231,000694
ASKI60,00015,247,000494
Bangko Kabayan8,9002,373,000294
BSEI60073,000294
CBI8,1002,010,000594
CCT70,3009,504,000494
CEV35,4005,111,000494
DSPI59,3003,676,000394
ECLOF5,4001,836,000494
FCB12,0002,392,000294
FMB2,700710,000294
GM Bank23,5001,553,000394
HSPFI19,1001,899,000294
JVOFI1,300281,000194
Katipunan Bank42,1005,325,000294
KDCI20,5002,095,000394
KGI32,3003,421,000494
KMBI245,00015,098,000194
LTMPC37,4008,935,000394
Mallig Plains6,500641,000294
MILAMDEC29,8003,278,000294
MWIMPC11,8001,740,000493
NWTF105,50012,698,000594
OFMPC4,400964,000194
PBC50,70010,434,000494
PCSD700167,000194
PMPC23,5005,565,000894
RB Angeles9001,502,000294
RB Labason500289,000194
RBLI5,2001,026,000294
RBMI11,9001,750,000294
RMB100173,000194
RSPI39,6002,834,000494
SAFRAGEMC1,100229,000194
Salve10,9001,191,000394
SEDP27,0003,914,000394
TSKI212,90025,187,000294
TSPI264,50031,290,000794
Valient1,700672,000294
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Key Statistics
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# 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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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