FINCA was established in Zambia in 2001 as a non-profit organisation that provided financial services to financially excluded populations. However, our services are now provided on commercial terms in order to sustain our operations and to increase our outreach especially to the rural areas of the country.

Over the past 15 years, we have introduced new products and services and modified existing ones in our quest to improve our clients’ social welfare and reduce poverty levels in our communities. We are proud to say that we now offer 4 different types of Loan products and a range of affordable Savings products. Our branch network has over the years equally increased from the initial 2 branches in Lusaka, to 14 fully fledged branches spread across the country.

We have over 70 FINCA Express Agents spread across the country that offer banking services within the communities.


2001:  Marks presence in Zambia
FINCA established its presence in Zambia as a non-profit making organization with only two outlets in Lusaka.
2012:  Microfinance Deposit Taking Institution
FINCA Zambia became a Microfinance Deposit Institution after meeting the Central Bank's requirements and successfully launched a range of savings products to the general public.
2013:  Biggest MFI in Zambia
FINCA Zambia's positive impact on its clients' businesses and social welfare has seen it become the biggest Microfinance Institution in Zambia in both clientele and portfolio.
2001-14:  Growth and Outreach
Since its inception in Zambia, FINCA has expanded its branch network and now has 14 fully fledged branches across the country. In addition, FINCA Zambia has equally increased its outreach to over 45, 000 clients in both urban and rural parts of Zambia and has the largest workforce of over 450 staff in the Microfinance industry.
2015:  FINCA Express Agency Banking
FINCA Zambia launched Agency Banking as part of its efforts to enhance delivery channels, increase its outreach and offer convenience of accessing banking solution through biometric point of sale machine right within clients’ vicinity.
2018:  FINCA Mobile Banking
FINCA launched yet another and more convenient delivery channel "FINCA Mobile Banking" on both App and USSD which enables clients to transact in their own comfort zones.
FINCA Zambia Ltd is a Microfinance Deposit Taking Institution regulated by The Bank Of Zambia under the Banking and Financial Services (Microfinance) Regulations, 2006. FINCA ZAMBIA is a subsidiary of FINCA Microfinance Holding Company LLC (FMH), and part of a network of 21 microfinance institutions and banks that provide socially responsible financial services that enable low-income individuals and communities to invest in the future.
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