2000k+
Helping Individuals Achieve Financial Stability And New Opportunities
6
Branches All Over Bringing Accessible Financial Services.
1000+
Supporting Small Businesses To Grow, Thrive, And Succeed
Helping Individuals Achieve Financial Stability And New Opportunities
Branches All Over Bringing Accessible Financial Services.
Supporting Small Businesses To Grow, Thrive, And Succeed
UMINO Community Loan Services is an entrepreneurial financing organization registered in July 2017 to provides financial services to rural parts of Zambia. UMINO stands for ‘UMoyo wabwINO’ which means a good life or better life. UMINO is currently providing loans to Small and Medium Enterprises (SMEs) in the Eastern part of Zambia. UMINO is proud to be an entrepreneurial-oriented MFI: As opposed to many other MFIs, UMINO provides loans to individual clients, based on a thorough review of the client’s business plan.
Take control of your finances with our easy-to-use USSD Code for the following:
Apply For Loans Instantly
Check Your Loan Balance
Track Your Repayment Schedule
Make Repayments On The Go.
Register Complaints With Ease.
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Apply easily through our web form. Fill out a short application. Only your national ID is needed.
Get a decision instantly. Once your loan application is approved, funds are sent straight to your account.
You can double your loan limit in just two months and quadruple it in six. Your limits grow to meet your needs.
FAQs
You need to run a small or medium business, provide a valid national ID (NRC), and pass a thorough review of your business plan. Our loan officers will guide you through the requirements at your nearest branch.
UMINO operates six branches across the Eastern Part of Zambia and Lusaka: Kalundu, Luangwa, Nyimba, Sinda, Chadiza and Lundazi.
No, we currently do not offer salary backed loans.
Loan amounts are tailored to the size of your business and repayment capacity. Speak to a loan officer to determine the amount you qualify for.
We offer entrepreneurial loans designed for small and medium enterprises, based on a review of each client's individual business plan.
Repayment periods are flexible and structured around your business cycle. Your limit can double in two months and quadruple in six as you build a good repayment history.
We finance a wide range of small and medium enterprises — retail, tailoring, agriculture-linked trade, and other entrepreneurial ventures in the communities we serve.
We do not finance illegal activities or ventures that fall outside our responsible-lending and community-impact criteria. Talk to a branch officer for specifics.
Yes. We handle your personal and business information with strict confidentiality and only use it to assess and service your loan.
Our six branches proudly serve local communities with accessible financing and exceptional customer service. Wherever you are, Umino is here to support your business growth.
01 Kalundu Village, Off Great East Road, Rufunsa, Lusaka.
+260 770 852 439
Plot no. 100, Mozah Compound, Levy Mwanawasa Road, Nyimba, Eastern Province.
+260 974 661 801
Pembamoyo Rd. Chipili Compound, Chadiza. Eastern Province.
+260 776 848 258
Kambolozo Residential Area, Luangwa. Lusaka.
+260 770 852 437
06 Nyanje Compound, Sinda, Eastern Province.
+260 970 887 032
House No. 130 Kabompo Street, Mayadi Compound, Lundazi. Eastern Province.
+260 972 704 107
We're Ready, Let's Talk.
01 Kalundu Village, Off Great East Road, Rufunsa, Lusaka
info@uminomicrofinance.com
+260 970 762 522
