Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,000197
AMPL00097
Arman41,500529,107,000197
Arohan43,5008,091,000297
ASA INDIA164,00015,380,000197
Asirvad113,50019,328,000197
Asmitha1,114,800217,867,000197
Bandhan4,048,600674,564,000597
Belstar123,00023,945,000276
BSFL275,20031,590,000397
Chaitanya20,7003,748,000397
Disha Microfin69,00014,332,000297
Equitas1,220,000186,415,000497
ESAF354,20043,500,000597
FFSL150,60035,719,000297
Fusion66,8009,820,000297
Grama Vidiyal738,200102,101,000197
Grameen Koota586,60083,555,0001599
Janalakshmi506,000119,077,000297
L & T Finance399,80037,199,000197
MFL331,80049,083,000197
MMFL175,00023,752,000297
Mpower13,6002,263,000297
Sahayata00097
Saija24,7004,682,000297
Samasta45,5004,809,000297
Satin405,60090,174,000297
SCCI115,60015,910,000297
Share2,195,400376,727,000197
SKS3,409,000355,029,000297
SMILE360,20056,927,000197
SNFL9,4001,779,000197
Sonata Finance158,20022,724,000399
Spandana533,400147,240,000297
Suryoday78,60014,713,000397
SVCL118,20018,886,000197
Swadhaar92,80017,166,000397
Trident68,7008,852,000197
Ujjivan913,300160,848,000597
Utkarsh168,60025,915,000397
VFS175,40019,264,000297
Asomi50,3004,743,0002130
AES India3,600286,0001130
Arth2,900611,0002130
Asomi50,3004,743,0002130
Barasat GS1,10099,508.021130
BJS6,000468,0001130
Cashpor417,00050,452,0001129
Credible10,0001,669,540.362130
DIBAKAR1,800145,0001129
GOF65,2005,388,0004129
Hope62,6004,407,0001127
Jaago2,700237,0001128
LOK4,900573,0001129
Nano25,6003,660,0002130
NBSAAVS28,1002,821,0001127
Nirantara8,200917,0002129
Parama7,100482,0001129
Pragathi26,2004,579,0006129
PWMACS36,5005,946,0001129
Saadhana90,90012,046,0002129
Sambhav1,500183,0003129
Seba Rahara6,700468,0001129
SU61,1005,498,0001129
Swayanshree7,900918,0002129
Vikas Samiti1,600168,0001129
Vistaar4,3001,157,0002127
We The People1,100244,0002129
WEMCS1,10085,0001129
Yukti1,10099,0002129
Please note that the information you are viewing is 122 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Empowerment Micro Finance institution ltd 72, Sikoongo RoadSiavonga, Zambia, Souther ProvinceP.O.BOX 183
Data approved: 2011-12-12
Data version: 1
Age of data: 122 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.celim.it/
Year established2008
Head of InstitutionElisa Morrone
Regions active
# Branches2

Total Portfolio (nat'l)ZMK 2,360,550,702
Total Portfolio (USD)USD 456,145.06
Active clients with loans1,559
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsAmiz, Mix Market
FundersRural Finance Programme/IFAD, European Union, CeLIM NGO

Loan Products » Summary

73 Borrowers
USD 38,260.87 Portfolio
Active Product
870 Borrowers
USD 343,257.28 Portfolio
Active Product
51 Borrowers
USD 18,014.51 Portfolio
Active Product
521 Borrowers
USD 46,667.90 Portfolio
Active Product
30 Borrowers
USD 1,352.66 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Input Loan ZMK 2,000,000 - 6,000,000 10 - 11 20% - 40% 0% - 20% Business, Agriculture Women, Men, Small scale farmers, minimum one hectare Business Training, Microcredit Scheme
Individual Loan ZMK 500,000 - 7,000,000 4 - 12 40% - 60% 0% - 20% Business Women, Men, Have business Credit Ins, Household Approach, Monthly follow up of clients
Salary Backed Loan ZMK 500,000 - 7,000,000 2 - 10 20% - 40% 60% - 80% Any Purpose Women, Men, Salaried worker
Solidarity Group Loan ZMK 400,000 - 1,200,000 4 - 10 60% - 80% 0% - 20% Business Women, Men, Have business Record Keeping Training, Household Approach Training, Monthly Monitoring

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Input Loan 42.0% annual, Flat 0 Fees 1 Ins None N/A 56.6% - 56.8% 64.4% - 64.6% 65
Individual Loan 48.0% annual, Flat 1 Fee 0 Ins None N/A 69.7% - 82.9% 69.7% - 82.9% 62
Salary Backed Loan 30.0%-42.0% annual, Flat 1 Fee 0 Ins None N/A 48.9% - 50.6% 48.9% - 50.6% 60
Solidarity Group Loan 42.0%-60.0% annual, Flat 1 Fee 0 Ins None N/A 68.6% - 96% 68.6% - 96% 50
Institution Price Graph
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