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? | No |
Website address | N/A |
Year established | 2001 |
Head of Institution | M.Ernest Paul |
Regions active | |
# Branches | 41 |
Total Portfolio (nat'l) | INR 668,968,774 |
Total Portfolio (USD) | USD 12,622,052.34 |
Active clients with loans | 90,929 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 80% - 100% |
Network affiliations |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | INR 8,000 - 22,000 | 12 | 80% - 100% | 80% - 100% | Business | Women | Credit Educ, Group Mtgs, Credit Ins | |||||||
Micro Enterprise Development Loan | INR 25,000 - 50,000 | 12 | 80% - 100% | 80% - 100% | Business | Women | Credit Educ, Group Mtgs, Credit Ins |
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 | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | 0% | 26.2% - 27.7% | 28.3% - 32.2% | N/A | ||||||||||
Micro Enterprise Development Loan | 0% | 27.6% - 27.8% | 27.6% - 27.8% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | 12.5% annual, Flat | 1 Fee | 1 Ins | None | N/A | 26.2% - 27.7% | 28.3% - 32.2% | 41 | ||||||||
Micro Enterprise Development Loan | 12.5% annual, Flat | 1 Fee | 1 Ins | None | N/A | 27.6% - 27.8% | 27.6% - 27.8% | 45 |
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 | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | 0% | 26.2% - 27.7% | 28.3% - 32.2% | N/A | ||||||||||
Micro Enterprise Development Loan | 0% | 27.6% - 27.8% | 27.6% - 27.8% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | 12.5% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 26.2% - 27.7% | 28.3% - 32.2% | 41 | ||||||||
Micro Enterprise Development Loan | 12.5% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 27.6% - 27.8% | 27.6% - 27.8% | 45 |
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