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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: 101 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

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 » 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 » 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
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,000176
AMPL00076
Arman41,500529,107,000176
Arohan43,5008,091,000276
ASA INDIA164,00015,380,000176
Asirvad113,50019,328,000176
Asmitha1,114,800217,867,000176
Bandhan4,048,600674,564,000576
Belstar123,00023,945,000255
BSFL275,20031,590,000376
Chaitanya20,7003,748,000376
Disha Microfin69,00014,332,000276
Equitas1,220,000186,415,000476
ESAF354,20043,500,000576
FFSL150,60035,719,000276
Fusion66,8009,820,000276
Grama Vidiyal738,200102,101,000176
Grameen Koota586,60083,555,0001578
Janalakshmi506,000119,077,000276
L & T Finance399,80037,199,000176
MFL331,80049,083,000176
MMFL175,00023,752,000276
Mpower13,6002,263,000276
Sahayata00076
Saija24,7004,682,000276
Samasta45,5004,809,000276
Satin405,60090,174,000276
SCCI115,60015,910,000276
Share2,195,400376,727,000176
SKS3,409,000355,029,000276
SMILE360,20056,927,000176
SNFL9,4001,779,000176
Sonata Finance158,20022,724,000378
Spandana533,400147,240,000276
Suryoday78,60014,713,000376
SVCL118,20018,886,000176
Swadhaar92,80017,166,000376
Trident68,7008,852,000176
Ujjivan913,300160,848,000576
Utkarsh168,60025,915,000376
VFS175,40019,264,000276
Asomi50,3004,743,0002109
AES India3,600286,0001109
Arth2,900611,0002109
Asomi50,3004,743,0002109
Barasat GS1,10099,508.021109
BJS6,000468,0001109
Cashpor417,00050,452,0001108
Credible10,0001,669,540.362109
DIBAKAR1,800145,0001108
GOF65,2005,388,0004108
Hope62,6004,407,0001106
Jaago2,700237,0001107
LOK4,900573,0001108
Nano25,6003,660,0002109
NBSAAVS28,1002,821,0001106
Nirantara8,200917,0002108
Parama7,100482,0001108
Pragathi26,2004,579,0006108
PWMACS36,5005,946,0001108
Saadhana90,90012,046,0002108
Sambhav1,500183,0003108
Seba Rahara6,700468,0001108
SU61,1005,498,0001108
Swayanshree7,900918,0002108
Vikas Samiti1,600168,0001108
Vistaar4,3001,157,0002106
We The People1,100244,0002108
WEMCS1,10085,0001108
Yukti1,10099,0002108
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