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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: 121 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
Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,0002115
Ahantaman RB23,8009,896,000497
APED13,7001,876,000297
ASA Initiative4,400577,000497
ASA-Ghana71,60018,385,000297
ASPI80088,000697
Atwima Kwanwoma3,8001,788,000297
Baobab5,100967,000297
BestFUND13,0004,172,000397
Bonzali Rural10,4001,691,0004115
CashPhase83135,000297
CASUD1,100524,000197
CEDEF50054,000497
CFF10013,000197
CRAN3,6001,019,000297
DQF1,70063,000297
EASL9,20011,409,000697
East Mamprusi12,5002,268,000497
ELDA00097
EMPRETEC Ghana20056,000297
FASL13,50014,047,000897
Grameen Ghana9,500507,000397
ID-Ghana5,600953,000397
Innovative Finance2,700354,000397
Kraban Support7,700781,0005115
KRB4,0006,350,000397
Lower Pra RB34,0006,316,0003115
Maata-N-Tudu12,000941,000497
Mail Finance300288,000197
Markaz00097
Markaz Al Bishara10017,000197
MicrofinPlus Gh1,100251,000297
Nwabiagya RB4,0002,265,000397
OISL62,00027,232,000997
Pro Credit00097
Rich Step100101,000197
SAT147,60029,359,000497
Sekam Trust600137,000297
Simli Pong8,900463,0003115
SS Ghana20035,000197
TCCU10032,000397
The Bridge40032,0003115
Union RB3,8002,361,000497
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Key Statistics
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# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% 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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