Countries & Regions

Microfinance in Zambia: Country Profile

Country Profile
Key statistics, MFIs, networks, funders and service providers.
News
The latest articles about microfinance in Zambia.
MFIs (8)
MFI Updates
Name Date Diamonds Assets Gross Loan Portfolio Gross Loan Portfolio

Gross Loan Portfolio

 		Equity Deposits Deposits

Total value of all deposit accounts

 		Borrowings Capital/asset ratio Capital/asset ratio

Total Equity / Total Assets

 		Debt to equity ratio Debt to equity ratio

Total Liabilities / Total Equity

 		Average loan balance per borrower / GNI per capita Average loan balance per borrower / GNI per capita

Average Loan Balance per Borrower / GNI per Capita

 		Average loan balance per borrower Average loan balance per borrower

Gross Loan Portfolio / Number of Active Borrowers

 		Average deposit balance per depositor Average deposit balance per depositor

Deposits / Number of Depositors

 		Return on assets Return on assets

(Net Operating Income - Taxes) / Average Total Assets

 		Average deposit balance per depositor / GNI per capita Average deposit balance per depositor / GNI per capita

Average Deposit Balance per Depositor / GNI per Capita

 		Return on equity Return on equity

(Net Operating Income - Taxes) / Average Total Equity

 		Financial revenue/ assets Financial revenue/ assets

Financial Revenue / Average Total Assets

 		Financial expense/ assets Financial expense/ assets

Financial Expense / Average Total Assets

 		Borrowers per staff member Borrowers per staff member

Number of Active Borrowers / Number of Personnel

 		Yield on gross portfolio (nominal) Yield on gross portfolio (nominal)

Financial Revenue from Loan Portfolio / Average Gross Loan Portfolio

 		Provision for loan impairment/ assets Provision for loan impairment/ assets

Impairment Losses on Loans / Average Total Assets

 		Cost per borrower Cost per borrower

Operating Expense / Average Number of Active Borrowers

 		Operating expense/ assets Operating expense/ assets

Operating Expense / Average Total Assets

 		Depositors per staff member Depositors per staff member

Number of Depositors / Number of Personnel

 		Women borrowers Portfolio at risk > 30 days Portfolio at risk > 30 days

Outstanding balance, portfolio overdue > 30 Days + renegotiated portfolio / Gross Loan Portfolio

 		Write-off ratio Write-off ratio

Value of loans written-off / Average Gross Loan Portfolio

 		Personnel Personnel

Total number of staff members

 		Number of active borrowers Number of active borrowers

Number of borrowers with loans outstanding

 		Number of depositors Number of depositors

Number of depositors with any type of deposit account

 		Operating expense/ loan portfolio Operating expense/ loan portfolio

Operating Expense / Average Gross Loan Portfolio
CETZAM 2009 1 3,676,919 2,513,353 2,655,172 394,146 0 72.21% 0.38 45.13% 463 73 2.88% 7.00% 3.82% 67.44% 0.00% 73 93.86% 5.21% 367 56.58% 73 3,759 13.31% 6.31% 74 5,423 5,423 81.62%
E-MFI 2008 1 324,134 154,030 323,392 0 742 99.77% 0.00 16.48% 157 — -24.22% — -24.32% 31.76% 0.00% 62 60.10% 8.18% 162 47.81% 0 642 — 5.19% 16 984 0 98.16%
FINCA - ZMB 2010 4 4,881,377 2,844,764 2,038,963 793,418 1,748,345 41.77% 1.39 17.57% 208 — 5.13% — 13.24% 64.03% 4.62% 80 101.92% 1.45% 175 54.32% — 10,009 4.00% 0.90% 170 13,669 — 91.73%
Harmos 2009 1 1,090,041 501,993 201,029 114,405 706,439 18.44% 4.42 15.54% 149 — — — — — — 146 — — — — — 2,289 — — 23 3,366 — —
MBT 2010 4 2,855,105 1,590,153 1,927,307 610,903 126,250 67.50% 0.48 9.69% 115 47 -15.30% 4.00% -21.31% 22.66% 0.51% 207 35.40% 2.66% 86 34.78% 195 13,162 23.99% 0.00% 67 13,860 13,062 69.77%
MCF Zambia 2010 4 179,094 91,645 63,774 0 0 35.61% 1.81 5.82% 69 — -68.39% — -137.85% 47.06% 0.00% 133 100.72% 0.00% 173 114.04% 0 1,329 0.03% 0.74% 10 1,329 0 244.13%
PFSL 2006 1 694,738 599,835 597,643 — — 86.02% 0.16 35.07% 210 — 9.55% — 11.06% 74.87% 0.00% 130 — 4.40% 170 59.98% 0 1,539 48.55% — 22 2,851 0 68.58%
PRIDE - ZMB 2006 1 1,460,173 1,510,279 72,543 158,658 1,108,132 4.97% 19.13 68.27% 410 32 -6.43% 5.00% -134.51% 54.80% 4.92% 74 60.28% -4.66% 261 60.97% 99 2,028 50.04% 4.21% 50 3,687 4,930 67.07%

Funders

Funders (2)
Name Website # of Related MFIs Related MFIs
CORDAID www.cordaid.nl 1
Hivos www.hivos.nl 1

Service Providers

Service Providers (5)
Name Website Institution Type # of Related MFIs Related MFIs
CORDAID www.cordaid.nl NGO 1
Craft Silicon www.craftsilicon.com Technology Provider 1
Crystal Clear Software, Ltd. www.loanperformer.com  Technology Provider 3
MFSI Technology Provider 1
Microfinanza Rating www.microfinanzarating.com Rater 1

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