We’re one of Zambia’s top financial institutions and have been making life easy with our fast, simple loans since 2006. We currently have 39 branches across the country.
We’re redefining personal credit with innovations that will make life easy for 1 million clients by 2025.
We’re making life easy
We’re redefining personal credit
We use word-class data analytics and tech to offer credit that looks and acts unlike any other similar product in the markets where we operate.
We move fast, but tread lightly
We move forward fast to pioneer ideas and deliver outstanding products to previously under-served clients. But we tread lightly, and the footprints we leave behind help the people whose lives we touch to achieve even more.
our products and services
A simple, short-term cash loan that is repaid after one month to help you get by until your next payday. "Zako" means "yours" - It's your loan for your emergency and is tailored to your unique profile. It’s credit when you need it most! Formally employed persons in the government and private sectors could qualify for our Zako Loans. To apply, simply visit your nearest branch with your NRC, latest payslip and latest bank statement, or dial *414# to find out more.
- Fast, easy application in as quick as 20 minutes
- Instant cash
- Affordable interest rates
- Flexible repayments
our leadership team
Emil PaulChief Executive Officer
Lillian BwalyaChief Operating Officer
Roberto BonaChief Financial Officer
Tinky NaiduInternal Operations Manager
Leslie has more than 14 years’ experience in the microfinance industry and has worked in various capacities. She holds an Advanced Diploma in Journalism and Public Relations.
Martha SichoneHuman Resources
Martha has over 17 years' work experience in Human Resources, having worked at various large multinational corporations. She holds a Bachelor of Arts Degree in Industrial Psychology from the University of Namibia, and is currently pursuing her MBA with Texila American University. She serves on the Zambia Health Education and Communication Trust (ZHECT) as Board Member, and also on Transparency International Zambia as Staff and Members Welfare Committee member. Martha is a Mindvalley Academy-certified coach.
Our purpose unites us. We share our ideas and knowledge and celebrate achievement as a group effort. Because together, we can do more.
We see the humans behind the numbers and treat our clients, colleagues and stakeholders with respect and dignity.
We offer credit that makes life easy when there’s an emergency, rather than add to the stress. Our products are easy to get and to understand.
We are transparent and credible. Our clients, partners and stakeholders can trust that we’ll do the right thing and that we’ll do things right.
Mwansa ChamaCall Center
Being part of this wonderful and exciting company has been a beautiful journey. I have had wonderful experiences throughout my stay thus far and have learnt memorable lessons.
Our great service to our clients and our caring culture is based on a sense of community mindfulness, and our village concept promotes wellness. We put our values at the forefront of everything we do, respect everyone that walks through our doors, and make sure they go back with a smile. Life made easy.
Working for Unifi is exciting and motivating at the same time.