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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
1st Valley Bank38,90048,291,000395
AJDFI13,100884,000695
ARDCI44,6009,403,000195
ASA Philippines333,40029,282,000195
ASHI35,4005,231,000695
ASKI60,00015,247,000495
Bangko Kabayan8,9002,373,000295
BSEI60073,000295
CBI8,1002,010,000595
CCT70,3009,504,000495
CEV35,4005,111,000495
DSPI59,3003,676,000395
ECLOF5,4001,836,000495
FCB12,0002,392,000295
FMB2,700710,000295
GM Bank23,5001,553,000395
HSPFI19,1001,899,000295
JVOFI1,300281,000195
Katipunan Bank42,1005,325,000295
KDCI20,5002,095,000395
KGI32,3003,421,000495
KMBI245,00015,098,000195
LTMPC37,4008,935,000395
Mallig Plains6,500641,000295
MILAMDEC29,8003,278,000295
MWIMPC11,8001,740,000494
NWTF105,50012,698,000595
OFMPC4,400964,000195
PBC50,70010,434,000495
PCSD700167,000195
PMPC23,5005,565,000895
RB Angeles9001,502,000295
RB Labason500289,000195
RBLI5,2001,026,000295
RBMI11,9001,750,000295
RMB100173,000195
RSPI39,6002,834,000495
SAFRAGEMC1,100229,000195
Salve10,9001,191,000395
SEDP27,0003,914,000395
TSKI212,90025,187,000295
TSPI264,50031,290,000795
Valient1,700672,000295
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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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