| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.finca.org/ |
| Year established | 2001 |
| Head of Institution | Thomas Lendzian |
| Regions active | Central Province, Copperbelt Province, Eastern Province, Lusaka Province, Southern Province |
| # Branches | 14 |
| Total Portfolio (nat'l) | ZMW 105,140,570 |
| Total Portfolio (USD) | USD 16,420,850.34 |
| Active clients with loans | 43,773 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | FINCA International |
| Funders | INVESTOR! FINCA MICROFINANCE COOPERATIEF U.A. (NETHERLANDS), DONOR! MASTERCARD FOUNDATION |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loans | ZMW 1,500 - 100,000 | 6 - 24 | 60% - 80% | 20% - 40% | Business | Women, Men, Have business, Must have a valid National Registration Card, Must have business or personal assets to pledge | Credit Ins | |||||||
| Small Group Loan | ZMW 1,200 - 15,000 | 6 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business, Must be a member of a self selected solidarity group | Group Mtgs, Credit Ins | |||||||
| Village Banking Loans | ZMW 150 - 12,500 | 6 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business, Must be a member of a self selected village bank | Credit Educ, Group Mtgs, Credit Ins, Funeral benefits | |||||||
| Small Enterprise Loan | ZMW 100,000 - 600,000 | 12 - 36 | 60% - 80% | 20% - 40% | Business | Women, Men, Have business | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loans | 51.4%-52.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 66.7% - 79% | 68.4% - 81.4% | 69 | ||||||||
| Small Group Loan | 52.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 70.3% - 91% | 72.6% - 95.2% | 63 | ||||||||
| Village Banking Loans | 52.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 74.9% - 91.2% | 77.8% - 95.4% | 59 | ||||||||
| Small Enterprise Loan | 49.6% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 0% | 0% | N/A |
| Outstanding portfolio (INR) | 0 |
| Portfolio (USD) | |
| Active Clients with Loans | 0 |
| Approximate % Female Clients | 0 |
| Approximate % Urban Clients | 0 |
| Any purpose | |
| Income generation | |
| Mortgage/housing | x |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Men | |
| Women | x |
| Must run a business | |
| Must own a home or land | x |
| Must be a salaried worker | |
| Must be specific age group | |
| Household income <60,000 INR | |
| Household income <120,000 INR | |
| Must live in rural area | |
| Must lives in urban area | |
| Other | |
| Other (2) |
| # Regions for this institution | 3 |
| # Regions for this product | N/A |
| Regions Active |
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| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
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