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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: 146 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
KBL468,300120,082,0001696
KF233,60041,416,000495
NRSP399,90070,157,000396
ASA230,40029,637,000396
TMFB221,20085,449,000796
FMFB163,54438,481,3239114
TRDP100,00013,817,000396
PRSP75,6569,907,1763114
BRAC^P57,30011,869,000396
SRSO51,1007,775,000396
SSF46,0004,776,000396
FINCA82,00043,559,000996
JWS36,0006,545,000296
RCDS35,5524,856,1224114
DAMEN35,1857,150,8641114
FFO22,4003,335,000396
OLP21,4003,510,000396
CSC17,6003,147,000196
AMRDO13,8001,206,000596
WMBL13,8006,105,000396
Mojaz13,4002,415,000296
SDF11,5001,041,000496
POMFB8,5002,795,000496
OPD7,500918,000296
AGAHE7,300797,000296
NRDP6,1841,521,9723114
GBTI6,100669,0003114
WASIL4,3001,135,000296
Micro Options4,000768,000596
VDO3,900489,0003114
SVDP3,900811,00013114
SRDO3,500766,000496
OSDI2,000923,000396
APMBL1,8001,401,000396
BEDF1,400209,0003114
KCDO80094,0001114
Caps / Zoom options
Key Statistics
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# 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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