| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.pfsl.com.zm/ |
| Year established | 2008 |
| Head of Institution | Claude Lafond |
| Regions active | |
| # Branches | 9 |
| Total Portfolio (nat'l) | ZMK 18,835,000,000 |
| Total Portfolio (USD) | USD 3,639,613.53 |
| Active clients with loans | 1,481 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | AMIZ, PROXFIN |
| Funders | AFDB, FMO, CIDA Canada, DID / CEP |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Home Improvement Loan | ZMK 5,000,000 - 120,000,000 | 6 - 60 | 40% - 60% | 40% - 60% | Business, Housing | Women, Men, Have business, Have home or land | Credit Educ, Group Mtgs, Credit Ins | |||||||
| MSME Loan | ZMK 1,000,000 - 120,000,000 | 6 - 36 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Women Market Loan | ZMK 1,000,000 - 5,000,000 | 6 - 12 | 80% - 100% | 60% - 80% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Home Improvement Loan | 30.0%-36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront | 60% - 72.2% | 68.7% - 80% | 41 | ||||||||
| MSME Loan | 54.0%-66.0% annual, Flat | 1 Fee | 1 Ins | None | 15.0% upfront | 104.8% - 135.3% | 139.5% - 181% | 34 | ||||||||
| Women Market Loan | 54.0%-66.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront | 122.5% - 135.3% | 176.6% - 200.9% | 28 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACSI | 682,200 | 103,172,000 | 5 | 146 |
| ADCSI | 176,100 | 30,846,000 | 2 | 147 |
| BG | 47,000 | 4,048,000 | 4 | 146 |
| DECSI | 361,000 | 96,304,000 | 7 | 146 |
| Dire | 4,900 | 828,000 | 4 | 146 |
| DMCPSC | 1,200 | 69,000 | 1 | 146 |
| Eshet | 18,800 | 2,392,000 | 3 | 146 |
| Harbu | 22,400 | 1,757,000 | 2 | 146 |
| Meklit | 12,200 | 1,395,000 | 4 | 146 |
| Metemamen | 10,500 | 650,000 | 6 | 146 |
| OCSSCO | 502,700 | 69,565,000 | 3 | 146 |
| OMO | 323,600 | 31,385,000 | 4 | 146 |
| PEACE | 17,200 | 2,462,000 | 3 | 146 |
| SFPI | 33,600 | 2,750,000 | 3 | 146 |
| Sidama | 53,400 | 1,162,000 | 6 | 146 |
| Wasasa | 49,300 | 5,798,000 | 4 | 146 |
| Wisdom MFI | 45,300 | 5,500,000 | 6 | 142 |
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