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Agora Microfinance Zambia (AMZ) started operations in 2011 and specifically targets low-income rural households, through its branches in the Mongu and Mumbwa districts. These districts show the highest poverty rates and access to finance is limited. The loan clients are self-employed or family workers in low-income households engaged in small livelihoods activities, mainly subsistence agriculture, small-scale processing and fishery, as well as in retail trade and services. 99% of them are first-time borrowers. The loan provided by Hivos-Triodos Fund enables AMZ to realise its growth ambitions.

KEY INDICATORS as of 31 December 2015:

- number of loan clients: 10,323

- percentage female clients: 58%

- percentage rural clients: 74%

- average loan amount: EUR 63

- number of savings clients: -