| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.finca.org/ |
| Year established | 2001 |
| Head of Institution | Thomas Lendzian |
| Regions active | Central Province, Copperbelt Province, Eastern Province, Lusaka Province, Southern Province |
| # Branches | 14 |
| Total Portfolio (nat'l) | ZMW 105,140,570 |
| Total Portfolio (USD) | USD 16,420,850.34 |
| Active clients with loans | 43,773 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | FINCA International |
| Funders | INVESTOR! FINCA MICROFINANCE COOPERATIEF U.A. (NETHERLANDS), DONOR! MASTERCARD FOUNDATION |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loans | ZMW 1,500 - 100,000 | 6 - 24 | 60% - 80% | 20% - 40% | Business | Women, Men, Have business, Must have a valid National Registration Card, Must have business or personal assets to pledge | Credit Ins | |||||||
| Small Group Loan | ZMW 1,200 - 15,000 | 6 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business, Must be a member of a self selected solidarity group | Group Mtgs, Credit Ins | |||||||
| Village Banking Loans | ZMW 150 - 12,500 | 6 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business, Must be a member of a self selected village bank | Credit Educ, Group Mtgs, Credit Ins, Funeral benefits | |||||||
| Small Enterprise Loan | ZMW 100,000 - 600,000 | 12 - 36 | 60% - 80% | 20% - 40% | Business | Women, Men, Have business | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loans | 51.4%-52.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 66.7% - 79% | 68.4% - 81.4% | 69 | ||||||||
| Small Group Loan | 52.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 70.3% - 91% | 72.6% - 95.2% | 63 | ||||||||
| Village Banking Loans | 52.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 74.9% - 91.2% | 77.8% - 95.4% | 59 | ||||||||
| Small Enterprise Loan | 49.6% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 0% | 0% | N/A |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AgroCapital | 21,900 | 16,894,000 | 11 | 160 |
| ANED | 5,400 | 6,579,000 | 3 | 119 |
| Banco FIE | 231,100 | 569,322,000 | 6 | 119 |
| BancoSol | 215,300 | 861,418,000 | 30 | 119 |
| CIDRE | 8,500 | 126,578,000 | 8 | 119 |
| Coop Fatima | 6,300 | 44,280,000 | 7 | 160 |
| CRECER | 166,900 | 134,626,000 | 13 | 119 |
| Diaconia | 67,000 | 85,734,000 | 2 | 119 |
| Ecofuturo | 59,200 | 226,839,000 | 5 | 119 |
| EMPRENDER | 8,700 | 2,380,000 | 3 | 160 |
| Fassil FFP | 57,600 | 325,081,000 | 5 | 119 |
| FONCRESOL | 3,900 | 9,573,000 | 3 | 119 |
| FONDECO | 14,200 | 24,274,000 | 3 | 119 |
| Fortaleza | 20,100 | 164,530,000 | 13 | 119 |
| FUBODE | 29,400 | 24,444,000 | 7 | 119 |
| FUNBODEM | 8,600 | 15,798,000 | 9 | 119 |
| IDEPRO | 10,400 | 40,479,000 | 2 | 119 |
| IMPRO | 2,400 | 2,885,000 | 4 | 119 |
| ProCredit | 84,300 | 257,487,000 | 8 | 160 |
| PRODEM | 44,900 | 62,529,000 | 4 | 119 |
| ProMujer BOL | 115,200 | 50,753,000 | 3 | 119 |
| Sartawi | 14,600 | 26,842,000 | 8 | 119 |
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