Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,0001100
AMPL000100
Arman41,500529,107,0001100
Arohan43,5008,091,0002100
ASA INDIA164,00015,380,0001100
Asirvad113,50019,328,0001100
Asmitha1,114,800217,867,0001100
Bandhan4,048,600674,564,0005100
Belstar123,00023,945,000279
BSFL275,20031,590,0003100
Chaitanya20,7003,748,0003100
Disha Microfin69,00014,332,0002100
Equitas1,220,000186,415,0004100
ESAF354,20043,500,0005100
FFSL150,60035,719,0002100
Fusion66,8009,820,0002100
Grama Vidiyal738,200102,101,0001100
Grameen Koota586,60083,555,00015103
Janalakshmi506,000119,077,0002100
L & T Finance399,80037,199,0001100
MFL331,80049,083,0001100
MMFL175,00023,752,0002100
Mpower13,6002,263,0002100
Sahayata000100
Saija24,7004,682,0002100
Samasta45,5004,809,0002100
Satin405,60090,174,0002100
SCCI115,60015,910,0002100
Share2,195,400376,727,0001100
SKS3,409,000355,029,0002100
SMILE360,20056,927,0001100
SNFL9,4001,779,0001100
Sonata Finance158,20022,724,0003103
Spandana533,400147,240,0002100
Suryoday78,60014,713,0003100
SVCL118,20018,886,0001100
Swadhaar92,80017,166,0003100
Trident68,7008,852,0001100
Ujjivan913,300160,848,0005100
Utkarsh168,60025,915,0003100
VFS175,40019,264,0002100
Asomi50,3004,743,0002133
AES India3,600286,0001133
Arth2,900611,0002133
Asomi50,3004,743,0002133
Barasat GS1,10099,508.021133
BJS6,000468,0001133
Cashpor417,00050,452,0001132
Credible10,0001,669,540.362133
DIBAKAR1,800145,0001132
GOF65,2005,388,0004132
Hope62,6004,407,0001130
Jaago2,700237,0001131
LOK4,900573,0001132
Nano25,6003,660,0002133
NBSAAVS28,1002,821,0001130
Nirantara8,200917,0002132
Parama7,100482,0001132
Pragathi26,2004,579,0006132
PWMACS36,5005,946,0001132
Saadhana90,90012,046,0002132
Sambhav1,500183,0003132
Seba Rahara6,700468,0001132
SU61,1005,498,0001132
Swayanshree7,900918,0002132
Vikas Samiti1,600168,0001132
Vistaar4,3001,157,0002130
We The People1,100244,0002132
WEMCS1,10085,0001132
Yukti1,10099,0002132
Please note that the information you are viewing is 125 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Harmos Microenterprise Development Ltd Baptist Training Center, Corner Makishi & Great East RdRhodesparkLusakaP.O. Box 33911
Data approved: 2011-12-12
Data version: 1
Age of data: 125 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2003
Head of InstitutionNkosilathi Moyo
Regions active
# Branches0

Total Portfolio (nat'l)ZMK 7,227,940,834
Total Portfolio (USD)USD 1,396,703.54
Active clients with loans9,803
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsAssociation of Microfinance Institutions in Zambia
FundersWorld Vision, Cordaid

Loan Products » Summary

549 Borrowers
USD 76,404.95 Portfolio
Active Product
9,244 Borrowers
USD 1,320,270.09 Portfolio
Active Product
16 Borrowers
USD 2,009.66 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
Agriculture Loan ZMK 750,000 - 2,500,000 4 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training
Business Loan ZMK 500,000 - 90,000,000 3 - 12 60% - 80% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins None N/A 99.3% - 104.2% 105.6% - 108.1% 47
Business Loan 51.0%-63.0% annual, Flat 2 Fees 1 Ins None 18.0% upfront 86.6% - 102.1% 124% - 144.9% 37
Institution Price Graph
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