About us

We make life easy with fast, simple loans. As one of Zambia's top lenders, our unique touch and tech approach combines unforgettable in-person service at our branches with convenient digital tools. We're part of the Unifi Africa group, which operates across Africa.

What we do

We offer simple, short-term microfinance to formally employed people and bridge the gap in their day-to-day finances. Our product is delivered through our branches, USSD app and Whatsapp. Our purpose is to redefine credit in Zambia and help people to achieve even more with simpler, faster and smarter lending solutions.

Our history

Unifi Zambia has its roots in Unity Finance, a microfinance company that was founded by Charles Bernhardt in 2007. The business became part of the Unifi Group in 2015 and rebranded to Unifi in 2020.

Unifi is redefining personal credit with innovations that will make life easy for 1 million clients by 2025.

We’re optimistic about the future and have conviction in the potential of the African continent and its people.

Our people

Unifi

Zambia

Emil Paul,

CEO

Lillian Bwalya,

COO

Kawangá Kapijimpanga,

Head of Marketing

Martha Sichone,

Head of HR

Kawangá Kapijimpanga,

Marketing Manager

Emil has a broad knowledge of banking, accounting and auditing, having worked in the Middle East and in Zambia in the financial sector. He holds a Bachelors Degree in
Applied Accounting.

Lillian Bwalya,

COO

Emil has a broad knowledge of banking, accounting and auditing, having worked in the Middle East and in Zambia in the financial sector. He holds a Bachelors Degree in
Applied Accounting.

Lillian Bwalya,

COO

Emil has a broad knowledge of banking, accounting and auditing, having worked in the Middle East and in Zambia in the financial sector. He holds a Bachelors Degree in
Applied Accounting.