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Institution

Kungoma Financial Services Ltd Permanent House, 1st floor room 145L, along Cairo RoadLusaka
Data approved: 2011-12-12
Data version: 1
Age of data: 135 months

Institution

Cooperativa de Ahorro y Credito 4 de Octubre Ltda Avda. Atahualpa s/n via a BañosAvda. Cordovez y Juan LarreaRiobamba, Chimborazo06-01-1471
Data approved: 2011-11-01
Data version: 1
Age of data: 142 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2004
Head of InstitutionBrian Kofi Kunda
Regions active
# Branches1

Total Portfolio (nat'l)ZMK 96,120,000
Total Portfolio (USD)USD 18,573.91
Active clients with loans43
Approximate % female clients20% - 40%
Approximate % urban clients80% - 100%
Network affiliations
Funders

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established1996
Head of InstitutionYolanda Haro Davila
Regions active
# Branches7

Total Portfolio (nat'l)USD 7,934,963.10
Total Portfolio (USD)USD 7,934,963.10
Active clients with loans2,059
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsRed Financiera Rural, Ucaccentro
FundersRed Financiera Rural, Ucaccentro

Loan Products » Summary

13 Borrowers
USD 5,615.37 Portfolio
Low Volume Product
30 Borrowers
USD 12,958.54 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 » Summary

293 Borrowers
USD 88,635 Portfolio
Active Product
2,001 Borrowers
USD 5,683,091 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Personal loan ZMK 500,000 - 5,000,000 1 - 12 20% - 40% 80% - 100% Any Purpose, Mostly used for business Women, Men, Reliable income or some kind of collateral Credit Educ
Salary support ZMK 500,000 - 5,000,000 1 - 12 20% - 40% 80% - 100% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credi - Emergente USD 200 - 500 3 - 8 40% - 60% 40% - 60% Any Purpose Women, Men, Have business, Have home or land, Salaried worker, Hacer un ahorro mensual de minimo 10,00 mensuales durante 1 año.
Microcredito USD 100 - 20,000 1 - 48 80% - 100% 60% - 80% Business Women, Men, Have business, Have home or land, Salaried worker Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Personal loan 180.0% annual, Decl Bal 1 Fee 1 Ins None N/A 194.4% - 235.1% 222.7% - 265.1% 75
Salary support 180.0% annual, Decl Bal 1 Fee 1 Ins None N/A 200.4% - 256.5% 229.8% - 288.3% 72

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credi - Emergente 19.0% annual, Decl Bal 0 Fees 1 Ins None 10.00 ongoing 0% 0% N/A
Microcredito 18.0% annual, Decl Bal 0 Fees 1 Ins None 5.00 ongoing 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Personal loan 180.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 194.4% - 235.1% 222.7% - 265.1% 75
Salary support 180.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 200.4% - 256.5% 229.8% - 288.3% 72

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credi - Emergente 19.0% annual, Decl Bal 0 Fees 1 Ins Ins None 10.00 ongoing 0% 0% N/A
Microcredito 18.0% annual, Decl Bal 0 Fees 1 Ins Ins None 5.00 ongoing 0% 0% N/A
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Loan Portfolio (USD)
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