Institution # Borrowers Portfolio (US$) Products Age of Data
1st Valley Bank38,90048,291,0003121
AJDFI13,100884,0006121
ARDCI44,6009,403,0001121
ASA Philippines333,40029,282,0001121
ASHI35,4005,231,0006121
ASKI60,00015,247,0004121
Bangko Kabayan8,9002,373,0002121
BSEI60073,0002121
CBI8,1002,010,0005121
CCT70,3009,504,0004121
CEV35,4005,111,0004121
DSPI59,3003,676,0003121
ECLOF5,4001,836,0004121
FCB12,0002,392,0002121
FMB2,700710,0002121
GM Bank23,5001,553,0003121
HSPFI19,1001,899,0002121
JVOFI1,300281,0001121
Katipunan Bank42,1005,325,0002121
KDCI20,5002,095,0003121
KGI32,3003,421,0004121
KMBI245,00015,098,0001121
LTMPC37,4008,935,0003121
Mallig Plains6,500641,0002121
MILAMDEC29,8003,278,0002121
MWIMPC11,8001,740,0004120
NWTF105,50012,698,0005121
OFMPC4,400964,0001121
PBC50,70010,434,0004121
PCSD700167,0001121
PMPC23,5005,565,0008121
RB Angeles9001,502,0002121
RB Labason500289,0001121
RBLI5,2001,026,0002121
RBMI11,9001,750,0002121
RMB100173,0001121
RSPI39,6002,834,0004121
SAFRAGEMC1,100229,0001121
Salve10,9001,191,0003121
SEDP27,0003,914,0003121
TSKI212,90025,187,0002121
TSPI264,50031,290,0007121
Valient1,700672,0002121
Please note that the information you are viewing is 126 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: 126 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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