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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: 110 months

Institution

Rural Credit Finance Company Ltd Roberta PlazaPlot 202/203, Hoima RoadKampala, Central RegionPO Box 29632
Data approved: 2011-06-29
Data version: 1
Age of data: 110 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-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1996
Head of InstitutionKasasa Moses
Regions activeCentral
# Branches4

Total Portfolio (nat'l)UGX 2,245,951,000
Total Portfolio (USD)USD 898,380.40
Active clients with loans5,557
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsAMFIU
FundersStromme, Oikocredit

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

1,162 Borrowers
USD 91,200 Portfolio
Active Product
2,796 Borrowers
USD 203,600 Portfolio
Active Product
229 Borrowers
USD 43,200 Portfolio
Active Product
1,369 Borrowers
USD 559,681 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
Agriculture Group Lending UGX 100,000 - 1,000,000 6 40% - 60% 0% - 20% Any Purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Commercial Group Loans UGX 100,000 - 3,000,000 4 - 6 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Emergency Loan UGX 200,000 - 1,000,000 1 20% - 40% 60% - 80% Any Purpose Women, Men, Have business, Salaried worker Credit Educ
Individual Business loans UGX 500,000 - 15,000,000 4 - 10 40% - 60% 60% - 80% Business Women, Men, Have business, Salaried worker 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
Agriculture Group Lending 38.40% annual, Flat 2 Fees 1 Ins None N/A 84.9% - 90.7% 90.4% - 96.3% 41
Commercial Group Loans 45.60% annual, Flat 2 Fees 1 Ins None N/A 106.5% - 112% 113.3% - 118.9% 39
Emergency Loan 60.00% annual, Flat 2 Fees 0 Ins None N/A 103.8% - 157.1% 103.8% - 157.1% 48
Individual Business loans 48.00% annual, Flat 2 Fees 1 Ins None N/A 89.5% - 96.4% 92.3% - 100.6% 49

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
Agriculture Group Lending 38.40% annual, Flat 2 Fees 1 Ins Ins None N/A 84.9% - 90.7% 90.4% - 96.3% 41
Commercial Group Loans 45.60% annual, Flat 2 Fees 1 Ins Ins None N/A 106.5% - 112% 113.3% - 118.9% 39
Emergency Loan 60.00% annual, Flat 2 Fees 0 Ins Ins None N/A 103.8% - 157.1% 103.8% - 157.1% 48
Individual Business loans 48.00% annual, Flat 2 Fees 1 Ins Ins None N/A 89.5% - 96.4% 92.3% - 100.6% 49
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