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VisionFund

Zambia

Lending Methodologies

VisionFund Zambia provides loans through two lending methodologies:

D485-1063-174-2

Group Lending

D485-1063-174-2

Individual Lending

Call Center Lines

0955 227165 / 0967 299622

Loan Products

VisionFund Zambia offers a range of products because customers have different financial needs and economic activities.

Solidarity Group lending –Pamodzi

Solidarity Groups are built around the concept of social collateral where clients do not have sufficient physical collateral and whose credit history is only with VFZ.

SME Loans and Individual Loans (Chitukuko)

Designed for clients who have graduated from solidarity groups or possess greater economic capacity

Lima (Agriculture)

Lending Methodologies: Solidarity Groups, and Individual clients. Description: This product is meant to finance farmers involved in the cultivation of seasonal crops such as maize, soya bean, sunflower, groundnuts etc. to acquire the needed inputs such as fertilizer, seed and agrochemicals needed to enhance the production and productivity of their crop.

Horticultural Loans

Irrigated agricultural loans Lending Methodologies: Solidarity Groups, and Individual clients. Description: This loan product is dedicated to serve the needs of a horticulture farmer. It can cover assets, inputs or a combination of both.

Njinga (Bicycle)

Lending Methodologies: Any repeat client, Solidarity Groups, and Individual clients. Description: This product is a parallel loan that allows VFZ customers to purchase bicycles on credit.

Dairy Loan

Lending Methodologies: Any repeat client , Solidarity Groups, and Individual clients. Description: This product is designed for existing dairy farmers to assist them to increase their milk production and sales thereby increasing their household income.

FAST Loans

Designed for savings groups.

Savings solutions

Support both individuals and groups.

School Improvement Loans

Support private schools

Asset Loans

Finance productive equipment and machinery

WASH Loans

Support clean water and sanitation investments.

Credit Enterprise Multi-Use Water System Loans

Support producer groups with solar-powered water systems, innovative irrigation technologies, and agribusiness financing.

Insurance provides solutions

Designed to protect lives, health, families, businesses, and productive assets.

Mobile Banking (USSD Banking)

With VisionFund Zambia's USSD Banking service, you can conveniently access your account from any mobile phone no internet connection required.

VisionFund Airtel Money Deposits and Withdrawals

Loan Repayment / Savings Deposit

1
Dial *567# and enter your VisionFund PIN.
2
Select Option 3 – Repayment/Deposit.
3

Select Repayment/Deposit from M-Wallet, then choose Option 2 – By Selecting Account.

4

Select the destination account:
Option 1 – Drawdown Account
Option 2 – Savings Account

5

Enter the repayment or deposit amount.

6

Enter your VisionFund PIN.

7

Confirm the transaction by selecting Option 1 – Yes.

8

Confirm the transaction by selecting Option 1 – Yes.

Withdrawals

1
Dial *567# and enter your VisionFund PIN.
2
Select Option 1 – Individual Transfer.
3

Select Option 1 – To My Wallet.

4

Select Option 2 – Individual Savings.

5

Enter the withdrawal amount.

6

Enter your VisionFund PIN.

7

Confirm the transaction by selecting Option 1 – Yes.

Note

Transfer from Group to Individual Savings Account

Note: Two authorized group officials must approve the transaction before it is processed. Enjoy secure, fast, and convenient digital banking services. For assistance, visit your nearest VisionFund Zambia branch or contact our Call Centre on 0955 227165 or 0967 299622.

1
Dial *567# and enter your VisionFund PIN.
2
Select Option 2 – Group Transfers.
3

Select Option 1 – Start Payout.

4

Enter the member's mobile number (e.g., 0979XXXXXX).

5

Enter the transfer amount.

6

Enter your VisionFund PIN.

Deposit Insurance Scheme

VisionFund Zambia is now a member of the Zambia Deposit Insurance Scheme (ZDIS), an initiative established by the Bank of Zambia to strengthen confidence in the financial sector by protecting customer deposits.

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