Institution # Borrowers Portfolio (US$) Products Age of Data
1st Valley Bank38,90048,291,0003118
AJDFI13,100884,0006118
ARDCI44,6009,403,0001118
ASA Philippines333,40029,282,0001118
ASHI35,4005,231,0006118
ASKI60,00015,247,0004118
Bangko Kabayan8,9002,373,0002118
BSEI60073,0002118
CBI8,1002,010,0005118
CCT70,3009,504,0004118
CEV35,4005,111,0004118
DSPI59,3003,676,0003118
ECLOF5,4001,836,0004118
FCB12,0002,392,0002118
FMB2,700710,0002118
GM Bank23,5001,553,0003118
HSPFI19,1001,899,0002118
JVOFI1,300281,0001118
Katipunan Bank42,1005,325,0002118
KDCI20,5002,095,0003118
KGI32,3003,421,0004118
KMBI245,00015,098,0001118
LTMPC37,4008,935,0003118
Mallig Plains6,500641,0002118
MILAMDEC29,8003,278,0002118
MWIMPC11,8001,740,0004117
NWTF105,50012,698,0005118
OFMPC4,400964,0001118
PBC50,70010,434,0004118
PCSD700167,0001118
PMPC23,5005,565,0008118
RB Angeles9001,502,0002118
RB Labason500289,0001118
RBLI5,2001,026,0002118
RBMI11,9001,750,0002118
RMB100173,0001118
RSPI39,6002,834,0004118
SAFRAGEMC1,100229,0001118
Salve10,9001,191,0003118
SEDP27,0003,914,0003118
TSKI212,90025,187,0002118
TSPI264,50031,290,0007118
Valient1,700672,0002118
Please note that the information you are viewing is 123 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: 123 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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