Our Aim Is To Empower Local Enterpreneurs And Businesses
UMINO Community Loan Services is an entrepreneurial-financing organization registered in July 2017 to provide financial services to rural parts of Zambia. UMINO stands for UMoyo WabwINO — meaning a good life or a better life. Every loan we make is an investment in a person, a family and a community.
Unlike many other microfinance institutions, UMINO provides loans to individual clients based on a thorough review of each client's business plan. This entrepreneurial approach means we look beyond collateral to the potential of the business — and the person behind it.
With UMINO, your loan limit can double in just two months and quadruple in six as you build a strong repayment history. Our USSD service *384*5# lets you apply, check balances, track repayment schedules and make payments right from your phone.
From tailoring shops to grocery stores and market stalls, our clients across the Eastern Part of Zambia are proving what's possible when entrepreneurs get access to fair, responsible finance.
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