| 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 |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://markazalbishara.wordpress.com/ |
| Year established | 1996 |
| Head of Institution | Rev. Johnson Asare |
| Regions active | Northern Region |
| # Branches | 1 |
| Total Portfolio (nat'l) | GHS 35,000 |
| Total Portfolio (USD) | USD 17,766.50 |
| Active clients with loans | 145 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 100% |
| Network affiliations | Christian Children's Fund of Canada (CCFC), GHAMFIN, ASSFIN, Credit Union Association (CUA) |
| Funders | Christian Children's Fund of Canada (CCFC), Credit Union Association (CUA) |
| 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 | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Petty Trading Loan | GHS 100 - 300 | 6 | 80% - 100% | 80% - 100% | Business, Other | Women, Have business | Group Mtgs, Tech Asst Visits, Health Training (HIV/AIDS, etc.) |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Petty Trading Loan | 30.00% annual, Flat | 1 Fee | 0 | None | N/A | 50.5% | 50.5% | 59 |
| 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 Ins | None | 5.0% upfront | 60% - 72.2% | 68.7% - 80% | 41 | ||||||||
| MSME Loan | 54.0%-66.0% annual, Flat | 1 Fee | 1 Ins 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 Ins | None | 20.0% upfront | 122.5% - 135.3% | 176.6% - 200.9% | 28 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Petty Trading Loan | 30.00% annual, Flat | 1 Fee | 0 | None | N/A | 50.5% | 50.5% | 59 |
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