2. PFSL
Please note that the information you are viewing is 168 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. CUMO
Please note that the information you are viewing is 148 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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: 168 months

Institution

CUMO Microfinance Ltd Plot 214-215 AirfieldDedzaPO Box 222
Data approved: 2012-11-23
Data version: 2
Age of data: 148 months
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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

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.concernuniversal.org/
Year established2000
Head of InstitutionEzikiel Phiri
Regions activeDedza, Dowa, Lilongwe, Ntcheu, Salima, Balaka, Chiradzulu, MachingaMangochi, Mulanje, Nsanje
# Branches2

Total Portfolio (nat'l)MWK 231,643,414
Total Portfolio (USD)USD 593,957.47
Active clients with loans48,013
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsMAMN, The MIX Market
FundersConcern Universal, USAID, UNDP UNCDF through FIMA, Irish Aid

Loan Products » Summary

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

Loan Products » Summary

Fumba
790 Borrowers
USD 30,823.69 Portfolio
Active Product
Masika
47,223 Borrowers
USD 563,133.78 Portfolio
Active Product
Mtenthandevu (Small Holder Tea Growers)
Retired 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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Fumba (Agricultural Loan) MWK 10,000 - 50,000 6 60% - 80% 0% - 20% Business, Used for only working capital purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Environmental & HIV & AIDS education
Masika (Village Enterprise Loan) MWK 2,000 - 200,000 4 - 6 60% - 80% 0% - 20% Business, Used for only working capital purpose Women, Men Credit Educ, Group Mtgs, Credit Ins, Business Training, Environmental and HIV-AIDS Education

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Fumba (Agricultural Loan) 60.00% annual, Flat 1 Fee 1 Ins None 5.00% upfront 71.1% 80.3% 74
Masika (Village Enterprise Loan) 54.00%-72.00% annual, Flat 1 Fee 1 Ins None 5.00% upfront 104.4% 125.1% 43

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 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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Fumba (Agricultural Loan) 60.00% annual, Flat 1 Fee 1 Ins Ins None 5.00% upfront 71.1% 80.3% 74
Masika (Village Enterprise Loan) 54.00%-72.00% annual, Flat 1 Fee 1 Ins Ins None 5.00% upfront 104.4% 125.1% 43
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessMultipleLoan PurposePFSLInstitutionZM-014-V01-P01ZM-014-V01-P02ZM-014-V01-P03ProductZMCountry2012YearRange Number1Institution Data Version01,000,0002,000,0003,000,0004,000,0005,000,0006,000,000Loan Size (all)0%50%100%150%200%Full APR (int fee ins tax dep)> 1009010Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeCUMOInstitutionMW-001-V02-P01MW-001-V02-P02ProductMWCountry2012YearRange Number2Institution Data Version050,000100,000150,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 18,00014,0009,4004,700500Number of Borrowers
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Key Statistics
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# 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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