| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AB Bank | 300 | 307,000 | 2 | 156 |
| AMZ | 4,900 | 651,000 | 2 | 156 |
| CETZAM | 6,700 | 2,210,000 | 4 | 156 |
| Eclof Zambia | 200 | 111,000 | 4 | 156 |
| Empowerment | 1,500 | 447,000 | 5 | 156 |
| FINCA Zambia | 43,700 | 16,420,000 | 4 | 114 |
| Harmos | 9,800 | 1,398,000 | 3 | 156 |
| Kungoma | 43 | 18,000 | 2 | 156 |
| MBT | 13,900 | 1,563,000 | 5 | 156 |
| Meanwood | 2,000 | 1,766,000 | 5 | 156 |
| PFSL | 1,300 | 3,506,000 | 3 | 156 |
| Zambia CRC | 30 | 1,000 | 1 | 156 |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1998 |
| Head of Institution | Romedan Mohammed |
| Regions active | |
| # Branches | 170 |
| Total Portfolio (nat'l) | ETB 585,102,740 |
| Total Portfolio (USD) | USD 31,799,061.96 |
| Active clients with loans | 327,888 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | AEMFI |
| Funders | Regional Government, Wondo Company, Association of Southern Peoples |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Rural Agriculture Loan | ETB 2,000 - 50,000 | 12 - 36 | 20% - 40% | 0% - 20% | Business, Agriculture | Women, Men | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Rural Petty Trade Loan | ETB 2,000 - 50,000 | 12 - 36 | 20% - 40% | 0% - 20% | Business | Women, Men | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Small Investment Loan | ETB 2,000 - 20,000 | 12 - 36 | 0% - 20% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Urban Loan | ETB 2,000 - 50,000 | 12 - 36 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Rural Agriculture Loan | 18.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 5.0%-10.0% upfront 6.00 ongoing | 20.2% - 28.7% | 25% - 35.7% | 64 | ||||||||
| Rural Petty Trade Loan | 15.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0%-10.0% upfront 6.00 ongoing | 11.3% - 22.5% | 14.8% - 29% | 65 | ||||||||
| Small Investment Loan | 15.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0%-10.0% upfront 6.00 ongoing | 11.7% | 14.8% - 15.8% | 99 | ||||||||
| Urban Loan | 10.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 5.0%-10.0% upfront 20.00 ongoing | 11.7% - 11.8% | 17.1% - 17.7% | 57 |
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