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 93 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: 102 months

Institution

Wisdom Microfinance Institution S.Co Bole Sub CityAddis Ababa31478
Data approved: 2012-03-12
Data version: 1
Age of data: 93 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 TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1998
Head of InstitutionWorku Tsega
Regions active
# Branches51

Total Portfolio (nat'l)ETB 119,816,176
Total Portfolio (USD)USD 6,511,748.70
Active clients with loans45,331
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsAEMFI, Vision Fund International
FundersWorld Vision

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

243 Borrowers
USD 44,990.27 Portfolio
Active Product
34,703 Borrowers
USD 4,164,431.74 Portfolio
Active Product
5,095 Borrowers
USD 382,694.08 Portfolio
Active Product
3,354 Borrowers
USD 261,871.36 Portfolio
Active Product
61 Borrowers
USD 6,850.54 Portfolio
Active Product
1,875 Borrowers
USD 639,486.30 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
Agri-business Loan ETB 3,000 - 5,000 6 - 12 60% - 80% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins
Agricultural Loan ETB 2,500 - 4,500 6 - 12 60% - 80% 0% - 20% Business, Agriculture Women, Men, 75% of group members has to be women Credit Educ, Group Mtgs, Credit Ins
Business Loan ETB 3,000 - 5,000 6 - 12 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Consumption Loan ETB 3,000 - 5,000 10 - 24 60% - 80% 20% - 40% Any Purpose Men, Salaried worker Credit Educ, Group Mtgs
Enterprise loan ETB 4,500 - 8,000 9 - 12 60% - 80% 80% - 100% Business Women, Men, Have business, Must have at least one employee, Must have at least a certain minimum capital limit. Credit Educ, Group Mtgs, Credit Ins
Individual Loan ETB 4,000 - 50,000 9 - 24 60% - 80% 80% - 100% Business Women, Men Credit Educ, 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
Agri-business Loan 17.5% annual, Flat 1 Fee 1 Ins None 10.0% upfront 10.00 ongoing 38.7% 55.6% 31
Agricultural Loan 19.5% annual, Flat 1 Fee 1 Ins None 15.0% upfront 10.00 ongoing 22.1% 28.1% 69
Business Loan 15.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 10.00 ongoing 33.2% 47.3% 32
Consumption Loan 17.5% annual, Flat 1 Fee 1 Ins None 15.0% upfront 38.7% 56.2% 31
Enterprise loan 15.0% annual, Flat 1 Fee 0 Ins None 10.0% upfront 10.00 ongoing 22.9% - 31.9% 30.1% - 76.9% 35
Individual Loan 15.0% annual, Flat 1 Fee 1 Ins None N/A 31.6% - 32.9% 35.8% - 38.8% 41

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
Agri-business Loan 17.5% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 10.00 ongoing 38.7% 55.6% 31
Agricultural Loan 19.5% annual, Flat 1 Fee 1 Ins Ins None 15.0% upfront 10.00 ongoing 22.1% 28.1% 69
Business Loan 15.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 10.00 ongoing 33.2% 47.3% 32
Consumption Loan 17.5% annual, Flat 1 Fee 1 Ins Ins None 15.0% upfront 38.7% 56.2% 31
Enterprise loan 15.0% annual, Flat 1 Fee 0 Ins Ins None 10.0% upfront 10.00 ongoing 22.9% - 31.9% 30.1% - 76.9% 35
Individual Loan 15.0% annual, Flat 1 Fee 1 Ins Ins None N/A 31.6% - 32.9% 35.8% - 38.8% 41
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