Our Stories · 26. August 2021
Francisca Mambwe Mutupa is the proprietor of the Nachi clothing hub in Nyimba town Eastern Zambia. She is renowned for her unique fabric designs and warm personality. She shares her inspirational business journey.. "I started designing and sewing at home on a small tailoring machine in 2017. In 2019 the demand for my services grew and I decided to rent a small shop in town. When UMINO started its operations in Nyimba, one of my friends told me about the financial services they were offering. At...

Our Stories · 25. August 2021
Judith Mumba, a client from Nyimba branch gives an exciting review...

Our Stories · 20. August 2021
Good news to all our clients and potential clients. UMINO officially opened a new branch in Sinda district of Eastern Province. Our operations are now in the following districts Rufunsa, Luangwa, Nyimba (covering Petauke) and Sinda (covering Katete). Our goal is to ensure that the local communities in these areas are being empowered through the provision of easily accessible loans at a very low interest rate. To all Sinda residents, take advantage of this opportunity and increase your business...
Our Stories · 19. August 2021
Martin Chimusanya's Success Story

Our Stories · 13. August 2020
Good news to all our clients and potential clients. UMINO has officially opened a new branch in Nyimba district of Eastern Province. Our operations are now in the following districts Rufunsa, Luangwa and Nyimba. Our goal is to ensure that the local communities in these areas are being empowered through the provision of easily accessible loans with very low interest rate. To all Nyimba residents, take advantage of this opportunity and increase your business operations by applying for additional...
Testimonials · 21. May 2020
December 2019 brought unparalleled anxiety in the microfinance sector as it was projected that most of the Small to medium enterprises (SMEs) would face losses and fail to meet their monthly instalment payments leading to high Portfolio at risk for the Sector (PAR). Despite the many drawbacks that have been triggered by the pandemic, there are some businesses that have shown resilience and have thrived during these tentative times in the financial sector. Rufunsa District is located 160...

Our Stories · 13. January 2020
Financial exclusion continues to be one of the major problems faced by citizens in third world countries. This includes both the lack of financial services and the knowledge required to properly utilize finances. This challenge is widespread especially among rural communities with little or no access to information. On the 7th and 8th of December 2019 UMINO Community Loan Services in conjunction with Savings Banks Foundation for International Cooperation (SBFIC) conducted a Small to Medium...

Testimonials · 03. January 2020
Education has been known to increase knowledge levels and improve the standard of living. It is one of the indicators used by the United Nations Development Program to measure general wellbeing of people. In assessing the socio-economic status of the local applicants Umino community loan services check their education attainment on the poverty probability index. From 2017 till date there has been an improvement in the numbers of children attaining secondary school education and tertiary...

Our Stories · 13. October 2019
Over the past decade there has been a tremendous use of mobile phones among the Zambian populous. This has opened new avenues for the financially excluded rural population to access financial services from the comfort of their homes. The mobile phone evolution has also inspired mobile money service providers to reach remote areas that were once financially excluded. UMINO Community Loan Services operates in Rufunsa and Luangwa District, with customers as coming from as far as 50 kilometers away...

Testimonials · 07. October 2019
Jolle Mwansa is a resident of Rufunsa and runs two successful shops in the area. He is well known by the locals for his hospitality and determination. His financial discipline has earned him an impeccable record with Umino as he has a perfect repayment history. His story cannot go untold and will continue to inspire other would be clients both now and in the future. In 2017, he heard about Umino from his friend who applied for a loan from the institution. Resultantly, in January 2018 he applied...

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