FINCA Zambia


FINCA first opened its doors in Zambia in 2001. Since launching a single office offering village banking loans in Lusaka, FINCA Zambia has grown into a full-fledged microfinance institution (MFI) serving more than 17,000 clients with financial services including credit, savings, payments and money transfers. FINCA Zambia is composed of 14 branches spanning Lusaka and the Central, Southern, Eastern and Copperbelt provinces.

FINCA Zambia is committed to expanding access to responsible financial services for micro-, medium- and small-scale entrepreneurs. Our products are tailored to the needs and aspirations of our customers, following from our customer-centric approach to product and service development.

In addition to traditional banking services, financial education is key to our product and service offering. In 2012, the Bank of Zambia issued FINCA Zambia a license to take deposits. This milestone allowed us to extend our reach and become a one-stop banking solution.

Our clients can now manage savings, credit, payments and remittances all in one place. In 2015, we became the first MFI in Zambia to venture into agent banking when we launched “FINCA Express”, our third-party agent-banking model.

Today, FINCA Zambia offers agent banking from 70 locations across the country. We now process more than 70% of our client transactions via FINCA Express. Our banking agents use biometric identification at the point-of-sale, another first in Zambia that makes banking both more convenient and more secure.

This innovation allows customers to bank closer to their businesses and homes—eliminating the need to travel long distances to visit a brick-and-mortar bank branch. FINCA Zambia is focused on digital innovation, strategic partnerships and trust-based customer relationships as the key pillars of our future success.