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Institution

CETZAM Financial Services PLC CETZAM HousePrivate Bag E760Lusaka10101
Data approved: 2011-12-12
Data version: 1
Age of data: 136 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
Adhikar35,3002,674,0001112
AMPL000112
Arman41,500529,107,0001112
Arohan43,5008,091,0002112
ASA INDIA164,00015,380,0001112
Asirvad113,50019,328,0001112
Asmitha1,114,800217,867,0001112
Bandhan4,048,600674,564,0005112
Belstar123,00023,945,000290
BSFL275,20031,590,0003112
Chaitanya20,7003,748,0003112
Disha Microfin69,00014,332,0002112
Equitas1,220,000186,415,0004112
ESAF354,20043,500,0005112
FFSL150,60035,719,0002112
Fusion66,8009,820,0002112
Grama Vidiyal738,200102,101,0001112
Grameen Koota586,60083,555,00015114
Janalakshmi506,000119,077,0002112
L & T Finance399,80037,199,0001112
MFL331,80049,083,0001112
MMFL175,00023,752,0002112
Mpower13,6002,263,0002112
Sahayata000112
Saija24,7004,682,0002112
Samasta45,5004,809,0002112
Satin405,60090,174,0002112
SCCI115,60015,910,0002112
Share2,195,400376,727,0001112
SKS3,409,000355,029,0002112
SMILE360,20056,927,0001112
SNFL9,4001,779,0001112
Sonata Finance158,20022,724,0003114
Spandana533,400147,240,0002112
Suryoday78,60014,713,0003112
SVCL118,20018,886,0001112
Swadhaar92,80017,166,0003112
Trident68,7008,852,0001112
Ujjivan913,300160,848,0005112
Utkarsh168,60025,915,0003112
VFS175,40019,264,0002112
Asomi50,3004,743,0002144
AES India3,600286,0001144
Arth2,900611,0002144
Asomi50,3004,743,0002144
Barasat GS1,10099,508.021144
BJS6,000468,0001144
Cashpor417,00050,452,0001143
Credible10,0001,669,540.362144
DIBAKAR1,800145,0001143
GOF65,2005,388,0004143
Hope62,6004,407,0001141
Jaago2,700237,0001142
LOK4,900573,0001143
Nano25,6003,660,0002144
NBSAAVS28,1002,821,0001141
Nirantara8,200917,0002143
Parama7,100482,0001143
Pragathi26,2004,579,0006143
PWMACS36,5005,946,0001143
Saadhana90,90012,046,0002143
Sambhav1,500183,0003143
Seba Rahara6,700468,0001143
SU61,1005,498,0001143
Swayanshree7,900918,0002143
Vikas Samiti1,600168,0001143
Vistaar4,3001,157,0002141
We The People1,100244,0002143
WEMCS1,10085,0001143
Yukti1,10099,0002143
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Key Statistics
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