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Institution

CETZAM Financial Services PLC CETZAM HousePrivate Bag E760Lusaka10101
Data approved: 2011-12-12
Data version: 1
Age of data: 155 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addressN/A
Year established1996
Head of InstitutionDyson Mandivenga
Regions active
# Branches5

Total Portfolio (nat'l)ZMK 15,315,329,318
Total Portfolio (USD)USD 2,959,483.93
Active clients with loans6,399
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsAMIZ, Opportunity International Network, AMT, INAFI
FundersDevelopment Aid from People to People (DAPP), HIVOS

Loan Products » Summary

527 Borrowers
USD 102,699.48 Portfolio
Active Product
1,909 Borrowers
USD 1,635,389.80 Portfolio
Active Product
2,729 Borrowers
USD 444,139.75 Portfolio
Active Product
1,548 Borrowers
USD 28,206.06 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan ZMK 800,000 - 2,000,000 3 - 6 60% - 80% 0% - 20% Business, Agriculture activities Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Individual Loan ZMK 2,000,000 - 250,000,000 3 - 24 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training
Solidarity Group Loan ZMK 1,000,000 - 5,000,000 3 - 10 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Tech Asst Visits
Trust Bank Loan ZMK 50,000 - 1,500,000 4 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, 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 48.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 63.8% - 64.2% 73.5% - 74% 65
Individual Loan 60.0%-78.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 138.3% - 141.3% 167.4% - 177.5% 34
Solidarity Group Loan 72.0%-78.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 138.1% - 143.8% 165.7% - 171.5% 42
Trust Bank Loan 60.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 179.3% - 198% 213.7% - 243.9% 26
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,0002149
Ahantaman RB23,8009,896,0004131
APED13,7001,876,0002131
ASA Initiative4,400577,0004131
ASA-Ghana71,60018,385,0002131
ASPI80088,0006131
Atwima Kwanwoma3,8001,788,0002131
Baobab5,100967,0002131
BestFUND13,0004,172,0003131
Bonzali Rural10,4001,691,0004149
CashPhase83135,0002131
CASUD1,100524,0001131
CEDEF50054,0004131
CFF10013,0001131
CRAN3,6001,019,0002131
DQF1,70063,0002131
EASL9,20011,409,0006131
East Mamprusi12,5002,268,0004131
ELDA000131
EMPRETEC Ghana20056,0002131
FASL13,50014,047,0008131
Grameen Ghana9,500507,0003131
ID-Ghana5,600953,0003131
Innovative Finance2,700354,0003131
Kraban Support7,700781,0005149
KRB4,0006,350,0003131
Lower Pra RB34,0006,316,0003149
Maata-N-Tudu12,000941,0004131
Mail Finance300288,0001131
Markaz000131
Markaz Al Bishara10017,0001131
MicrofinPlus Gh1,100251,0002131
Nwabiagya RB4,0002,265,0003131
OISL62,00027,232,0009131
Pro Credit000131
Rich Step100101,0001131
SAT147,60029,359,0004131
Sekam Trust600137,0002131
Simli Pong8,900463,0003149
SS Ghana20035,0001131
TCCU10032,0003131
The Bridge40032,0003149
Union RB3,8002,361,0004131
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Key Statistics
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# Products
# Institutions
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# Borrowers
Loan Portfolio (USD)
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% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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