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Institution

Pulse Financial Services Limited Cnr Freedom Way/Katunjila RoadLusakaP.O. Box RW 51269
Data approved: 2012-01-25
Data version: 1
Age of data: 133 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.pfsl.com.zm/
Year established2008
Head of InstitutionClaude Lafond
Regions active
# Branches9

Total Portfolio (nat'l)ZMK 18,835,000,000
Total Portfolio (USD)USD 3,639,613.53
Active clients with loans1,481
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsAMIZ, PROXFIN
FundersAFDB, FMO, CIDA Canada, DID / CEP

Loan Products » Summary

287 Borrowers
USD 1,330,628.02 Portfolio
Active Product
925 Borrowers
USD 2,117,004.83 Portfolio
Active Product
187 Borrowers
USD 58,743.96 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Pricing Information

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 Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,0002127
Ahantaman RB23,8009,896,0004109
APED13,7001,876,0002109
ASA Initiative4,400577,0004109
ASA-Ghana71,60018,385,0002109
ASPI80088,0006109
Atwima Kwanwoma3,8001,788,0002109
Baobab5,100967,0002109
BestFUND13,0004,172,0003109
Bonzali Rural10,4001,691,0004127
CashPhase83135,0002109
CASUD1,100524,0001109
CEDEF50054,0004109
CFF10013,0001109
CRAN3,6001,019,0002109
DQF1,70063,0002109
EASL9,20011,409,0006109
East Mamprusi12,5002,268,0004109
ELDA000109
EMPRETEC Ghana20056,0002109
FASL13,50014,047,0008109
Grameen Ghana9,500507,0003109
ID-Ghana5,600953,0003109
Innovative Finance2,700354,0003109
Kraban Support7,700781,0005127
KRB4,0006,350,0003109
Lower Pra RB34,0006,316,0003127
Maata-N-Tudu12,000941,0004109
Mail Finance300288,0001109
Markaz000109
Markaz Al Bishara10017,0001109
MicrofinPlus Gh1,100251,0002109
Nwabiagya RB4,0002,265,0003109
OISL62,00027,232,0009109
Pro Credit000109
Rich Step100101,0001109
SAT147,60029,359,0004109
Sekam Trust600137,0002109
Simli Pong8,900463,0003127
SS Ghana20035,0001109
TCCU10032,0003109
The Bridge40032,0003127
Union RB3,8002,361,0004109
Caps / Zoom options
Key Statistics
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# Institutions
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# Borrowers
Loan Portfolio (USD)
% Products using declining balance
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% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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