Please note that the information you are viewing is 102 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
Please note that the information you are viewing is 96 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Kungoma Financial Services Ltd Permanent House, 1st floor room 145L, along Cairo RoadLusaka
Data approved: 2011-12-12
Data version: 1
Age of data: 102 months

Institution

Dire Microfinance Head OfficeDire DawaPO Box 2859
Data approved: 2011-12-23
Data version: 1
Age of data: 96 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2004
Head of InstitutionBrian Kofi Kunda
Regions active
# Branches1

Total Portfolio (nat'l)ZMK 96,120,000
Total Portfolio (USD)USD 18,573.91
Active clients with loans43
Approximate % female clients20% - 40%
Approximate % urban clients80% - 100%
Network affiliations
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1996
Head of InstitutionSentayehu Ketema
Regions active
# Branches9

Total Portfolio (nat'l)ETB 17,886,789
Total Portfolio (USD)USD 972,108.10
Active clients with loans5,015
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsAEMFI, MAIN
Funders

Loan Products » Summary

13 Borrowers
USD 5,615.37 Portfolio
Low Volume Product
30 Borrowers
USD 12,958.54 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 » Summary

317 Borrowers
USD 88,673.91 Portfolio
Active Product
4,437 Borrowers
USD 534,575 Portfolio
Active Product
187 Borrowers
USD 152,923.91 Portfolio
Active Product
38 Borrowers
USD 52,092.39 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
Personal loan ZMK 500,000 - 5,000,000 1 - 12 20% - 40% 80% - 100% Any Purpose, Mostly used for business Women, Men, Reliable income or some kind of collateral Credit Educ
Salary support ZMK 500,000 - 5,000,000 1 - 12 20% - 40% 80% - 100% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumption Loan ETB 2,000 - 10,000 12 - 24 20% - 40% 80% - 100% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Group Loan ETB 2,500 - 10,000 1 - 12 60% - 80% 80% - 100% Any Purpose Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Individual Loan ETB 2,500 - 80,000 12 - 36 60% - 80% 80% - 100% Any Purpose Women, Men Credit Educ, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Personal loan 180.0% annual, Decl Bal 1 Fee 1 Ins None N/A 194.4% - 235.1% 222.7% - 265.1% 75
Salary support 180.0% annual, Decl Bal 1 Fee 1 Ins None N/A 200.4% - 256.5% 229.8% - 288.3% 72

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumption Loan 10.0% annual, Decl Bal 1 Fee 0 Ins None N/A 18.1% - 22.1% 18.1% - 22.1% 51
Group Loan 11.5% annual, Decl Bal 1 Fee 0 Ins None N/A 24.2% - 24.5% 24.2% - 24.5% 47
Individual Loan 11.5% annual, Decl Bal 1 Fee 0 Ins None N/A 21.2% - 24.3% 21.2% - 24.3% 51

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Personal loan 180.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 194.4% - 235.1% 222.7% - 265.1% 75
Salary support 180.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 200.4% - 256.5% 229.8% - 288.3% 72

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumption Loan 10.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 18.1% - 22.1% 18.1% - 22.1% 51
Group Loan 11.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 24.2% - 24.5% 24.2% - 24.5% 47
Individual Loan 11.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 21.2% - 24.3% 21.2% - 24.3% 51
Institution Price Graph
Institution Price Graph
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