Welcome to

Unifi

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.

our purpose

We’re redefining personal credit with innovations that will make life easy for 1 million clients by 2025.

We’re making life easy

We assist people in a way that they might not have expected from a lender and that makes them go: “Wow, that was easy!”. Our products help people to achieve even more, and to move forward despite life’s setbacks.

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

Zako Loans

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

loan conditions

Reward Loans

We like to reward our clients! The Unifi Reward Loan is a special offer for loyal clients that have good credit scores with us. It’s a higher amount at a lower interest rate and has a term of up to 7 months.

The Uniapp

The Uniapp is like a Unifi branch in your pocket and lets you enjoy our services anywhere, anytime. Simply dial *414# to check your balance, find your nearest branch, reloan, pay, enter our latest competitions and more from the comfort of your home or office.

get in touch

find your nearest branch

view map

our leadership team

Emil Paul

Chief Executive Officer

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 and a full Association of Certified Chartered Accountants (ACCA) qualification.

Lillian Bwalya

Chief Operating Officer

Lillian has extensive experience in operations, customer relationship management and branch management. This experience is underwritten by the 18 years she spent in Zambia’s finance sector. Lillian holds a Diploma as National Accounting Technician, a Degree in Banking and Finance, and an MBA from Heriot Watt University, UK.

Roberto Bona

Chief Financial Officer

Roberto has extensive experience in Financial Management in large multi-national corporations, serving as Chief Financial Officer for over 10 years. He holds a Bachelor of Accounting Sciences degree from the University of South Africa. He is trained under the SA Institute of Accountants and is a licentiate member of the Zambian Institute of Chartered Accountants (ZICA).

Tinky Naidu

Internal Operations Manager

Tinky has extensive experience in logistics and operations. She brings her competitive edge and outstanding analytical and operational expertise to the company with her vast knowledge in the industries of retail, hospitality, manufacturing, inventory management and sports.

Mulenga Sichangwa

Mulenga is an insightful ICT professional with a firm grasp of enterprise environments, developed over an 11-year career. He is responsible for ensuring Unifi's innovative enterprise systems are operational and providing a seamless experience for both staff and clients. He holds a bachelor's degree in computing and IT security, and is currently pursuing a Certified Digital Financial Partitioner (CDFP) certification with the intent of broadening his understanding of the evolution of digital payments and services.

Leslie Bwalya

Operations

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.

Ruth Della-Lucia

Operations

Ruth started out in the microfinance industry in 2004, after she joined a multinational microfinance company in Zambia. She has gained experience in general office administration, loan consultancy and human resource administration. Ruth is currently enrolled with the Association of Business Executives in Zambia and furthering her studies with a degree course in Business Management.

Kawang’a Kapijimpanga

Marketing

Kawang’a has over 7 years’ experience in the microfinance sector. She has extensive knowledge in the sector, having worked in various departments. She is responsible for growing the business, managing relationships with our new and existing key corporate clients. She is also in charge of corporate and digital marketing. Kawang’a holds an honors degree in Economics from the University of Namibia, a Masters of Science degree in Economics and Finance and is currently pursuing a postgraduate diploma in Marketing.

Cecilia Likando

Facilities

Cecilia has over 7 years’ experience in microfinance. She oversees administration and is also responsible for infrastructure, security and maintenance of all our branches. She holds a diploma in Human Resource Management from NIPA, a degree in Library and Information Studies from the University of Zambia, and a master’s degree in Business Administration.

Martha Sichone

Human 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 values

Unity

Our purpose unites us. We share our ideas and knowledge and celebrate achievement as a group effort. Because together, we can do more.

Dignity

We see the humans behind the numbers and treat our clients, colleagues and stakeholders with respect and dignity.

Simplicity

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.

Trust

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.

careers

vacancies

Mwansa Chama

Call 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.

Nyauka Ntambu

Operations

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.

Kumoyo Mulasikwanda

Operations

Working for Unifi is exciting and motivating at the same time.