Please note that the information you are viewing is 106 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 114 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Pulse Financial Services Limited Cnr Freedom Way/Katunjila RoadLusakaP.O. Box RW 51269
Data approved: 2012-01-25
Data version: 1
Age of data: 106 months

Institution

Banco Los Andes ProCredit S.A. Av. Cristo Redentor No. 3730 entre 4 y 5 anilloSanta Cruz de la Sierra, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 114 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.pfsl.com.zm/
Year established2008
Head of InstitutionClaude Lafond
Regions active
# Branches9

Total Portfolio (nat'l)ZMK 18,835,000,000
Total Portfolio (USD)USD 3,639,613.53
Active clients with loans1,481
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsAMIZ, PROXFIN
FundersAFDB, FMO, CIDA Canada, DID / CEP

Institution Details

Institution TypeOther
Is this institution regulated?Yes
Website addresshttp://www.losandesprocredit.com.bo/
Year established1995
Head of InstitutionPablo Alberto González López
Regions active
# Branches62

Total Portfolio (nat'l)BOB 2,650,421,275
Total Portfolio (USD)USD 392,655,003.70
Active clients with loans83,776
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsASOFIN, ASOBAN
FundersProCredit Holding AG, Helen Alexander, Gabriel Schor, Mariano Larena

Loan Products » Summary

287 Borrowers
USD 1,330,628.02 Portfolio
Active Product
925 Borrowers
USD 2,117,004.83 Portfolio
Active Product
187 Borrowers
USD 58,743.96 Portfolio
Active Product

Loan Products » Summary

1,104 Borrowers
USD 1,258,593.78 Portfolio
Active Product
374 Borrowers
USD 846,867 Portfolio
Active Product
21,780 Borrowers
USD 111,530,358 Portfolio
Active Product
44,495 Borrowers
USD 99,292,463.59 Portfolio
Active Product
443 Borrowers
USD 645,031.22 Portfolio
Active Product
1,031 Borrowers
USD 1,260,387.59 Portfolio
Active Product
4,573 Borrowers
USD 19,967,105.90 Portfolio
Active Product
10,574 Borrowers
USD 22,686,193.02 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Home Improvement Loan ZMK 5,000,000 - 120,000,000 6 - 60 40% - 60% 40% - 60% Business, Housing Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins
MSME Loan ZMK 1,000,000 - 120,000,000 6 - 36 40% - 60% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Women Market Loan ZMK 1,000,000 - 5,000,000 6 - 12 80% - 100% 60% - 80% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito con garantía de títulos valor BOB 250 - 135,000 0.9 - 60 40% - 60% 80% - 100% Any Purpose Women, Men Credit Ins
Crédito con garantía de títulos valor ME USD 100 - 125,000 1.3 - 45.3 40% - 60% 80% - 100% Any Purpose Women, Men Credit Ins
Crédito Empresarial ME USD 100 - 1,050,000 4.9 - 60.9 40% - 60% 0% - 20% Any Purpose Women, Men, Have business, No ser parte del dirctorio ni ser ejecutivo del Banco, Debe tener por lo menos 1 año de experiencia en el negocio que lleva adelante Credit Ins, Business Training
Crédito Empresarial MN BOB 480 - 3,485,000 1 - 303.4 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, No ser parte del dirctorio ni ser ejecutivo del Ba, Debe tener por lo menos 1 año de experiencia en el Credit Ins, Business Training
Creditos para Asalariados ME USD 200 - 15,000 4 - 121 40% - 60% 80% - 100% Any Purpose Women, Men, Salaried worker, Debe ser propietario de inmueble o presentar un garante personal Credit Ins
Creditos para Asalariados MN BOB 601 - 70,000 1.4 - 61.4 40% - 60% 80% - 100% Any Purpose Women, Men, Salaried worker, Debe ser propietario de inmueble o presentar un garante personal Credit Ins
Creditos para Vivienda ME USD 242 - 20,000 2 - 143 40% - 60% 80% - 100% Housing, Para Compra y construccion de vivienda, Para compra de terreno Women, Men, Have business, Salaried worker Credit Ins
Creditos para Vivienda MN BOB 800 - 140,000 4 - 145 40% - 60% 80% - 100% Housing, Compra o construción de Vivienda, Compra de Terreno Women, Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Home Improvement Loan 30.0%-36.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 60% - 72.2% 68.7% - 80% 41
MSME Loan 54.0%-66.0% annual, Flat 1 Fee 1 Ins None 15.0% upfront 104.8% - 135.3% 139.5% - 181% 34
Women Market Loan 54.0%-66.0% annual, Flat 1 Fee 1 Ins None 20.0% upfront 122.5% - 135.3% 176.6% - 200.9% 28

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito con garantía de títulos valor 4.3%-25.0% annual, Decl Bal 0 Fees 0 Ins None N/A 7.2% - 15.1% 7.2% - 15.1% 42
Crédito con garantía de títulos valor ME 5.0%-22.0% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal N/A 7.1% - 14.8% 7.9% - 14.7% 53
Crédito Empresarial ME 5.0%-36.0% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal N/A 16.2% - 31.1% 16.3% - 31.2% 22
Crédito Empresarial MN 8.5%-38.6% annual, Decl Bal 0 Fees 0 Ins None N/A 15.3% - 27.5% 15.3% - 27.5% 41
Creditos para Asalariados ME 6.4%-33.0% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal N/A 7.5% - 22.4% 7.6% - 22.6% 48
Creditos para Asalariados MN 6.6%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 16.2% - 28.4% 16.2% - 28.4% 28
Creditos para Vivienda ME 7.4%-36.0% annual, Decl Bal 0 Fees 0 Ins 15.00% Principal N/A 15.8% - 23.6% 16% - 24% 39
Creditos para Vivienda MN 7.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 17.2% - 30.5% 17.2% - 30.5% 31

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Home Improvement Loan 30.0%-36.0% annual, Flat 1 Fee 1 Ins Ins None 5.0% upfront 60% - 72.2% 68.7% - 80% 41
MSME Loan 54.0%-66.0% annual, Flat 1 Fee 1 Ins Ins None 15.0% upfront 104.8% - 135.3% 139.5% - 181% 34
Women Market Loan 54.0%-66.0% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 122.5% - 135.3% 176.6% - 200.9% 28

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito con garantía de títulos valor 4.3%-25.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 7.2% - 15.1% 7.2% - 15.1% 42
Crédito con garantía de títulos valor ME 5.0%-22.0% annual, Decl Bal 0 Fees 0 Ins Ins 15.00% Principal N/A 7.1% - 14.8% 7.9% - 14.7% 53
Crédito Empresarial ME 5.0%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins 15.00% Principal N/A 16.2% - 31.1% 16.3% - 31.2% 22
Crédito Empresarial MN 8.5%-38.6% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 15.3% - 27.5% 15.3% - 27.5% 41
Creditos para Asalariados ME 6.4%-33.0% annual, Decl Bal 0 Fees 0 Ins Ins 15.00% Principal N/A 7.5% - 22.4% 7.6% - 22.6% 48
Creditos para Asalariados MN 6.6%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 16.2% - 28.4% 16.2% - 28.4% 28
Creditos para Vivienda ME 7.4%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins 15.00% Principal N/A 15.8% - 23.6% 16% - 24% 39
Creditos para Vivienda MN 7.0%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 17.2% - 30.5% 17.2% - 30.5% 31
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