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Vendor Loans

The requirements are as follows:

  1. 1. You are encouraged to be in groups
  2. 2. Valid vending licence
  3. 3. Identification details
  4. 4. Proof of residence

Benefits

  1. 1. Flexible repayment terms
  2. 2. Excellent terms for entrepreneurs

Description

This product is tailor made for more women to realise their dreams. It gives you the advantages of bulk buying, cost saving,flexible terms, and easy access to finance.

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Youth Loans

The requirements are as follows:

  1. 1. 20-35 years of age
  2. 2. Rural and Urban Entrepreneurs
  3. 3. Should have been trained to run a business
  4. 4. Minimum trading period of 6 months
  5. 5. Cashflow based lending, do not worry about collateral

Benefits

  1. 1. Viable Interest rates for youth entrepreneurs
  2. 2. Flexible repayment terms
  3. 3. Excellent terms for young women entrepreneurs products
  4. 4. We link you to markets

Description

Inclusive Financial Services offers support to young entrepreneurs by offering loans and business advisory services. The Youth Entrepreneurship Development Support Programme is aimed at assisting youths who are already in business to realise the full potential of their businesses. We challenge young women entrepreneurs to get into businesses previously dominated by men. We know you can do it!.

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Micro-Enterprise Loans

The requirements are as follows:

  1. 1. Valid trading licence
  2. 2. Identification documents for the borrower and the guarantor
  3. 3. Proof of Residence
  4. 3. Access for our team to visit your enterprise

Benefits

  1. 1. Wide range of acceptable collateral(where appropriate)
  2. 2. Competitive interest rates
  3. 3. Quick turn-around
  4. 4. Dedicated wealth creation associates providing exceptional service and sound financial advice
  5. 5. Easy to manage tailored instalments/repayments

Description

Our micro-enterprise loans are tailor made to capacitate growth of your enterprise. We understand your needs as a small enterepreneur whether you are in a rural or urban set-up. We understand your preferences as a woman in business and we have favourable terms. Our loans in this segment range from as low as USD300.00 to USD5000.00. Our Repayment terms are matched with the cashflow generation capacity of your enterprise. We mentor you at no cost in growing your business and our staff have deep understanding of cashflow based lending which removes the burden of failing to access funding just because you have no security. We are inclusive. Come in and talk to any of our Wealth Creation Associates.

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Small to Medium Enterprises Loans

The requirements are as follows:

  1. 1. Certificate of Incorporation
  2. 2. Articles of Association
  3. 3. Board resolution to borrow
  4. 4. Directors' Identification
  5. 5. CR14 and CR2

Benefits

  1. 1. Loans with limit based on business capacity
  2. 2. Wide range of acceptable collateral
  3. 3. Competitive interest rates
  4. 4. Quick turn-around
  5. 5. Dedicated Wealth Creation Associates providing exceptional service and sound financial advice
  6. 5. Easy to manage tailored instalments

Description

Inclusive Financial Services (Private) Limited strives to provide small to medium enterprises with total financial solutions to maximize their business growth. We act as your partner to help support and grow your business to make it to the next level, delivering cost effective solutions. We have noted that mainstream banking tends to shun SMEs because they want to deal with large exposures. Money lenders have no capacity to adequately address your needs as they consider you too big. So they say you are in the middle of nowhere. Inclusive Financial Services is your right partner, you are not alone. We tag along with you, giving you facilities ranging between USD5000.00 and USD25 000.00.

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Agriculture Loans

The requirements are as follows:

  1. 1. Our agriculture Wealth Creation Associates will work with you small holder farmers in mapping your project and identifying the market for your produce
  2. 2. Project must already be running
  3. 3. Recommendation letter from village head/chief

Benefits

  1. 1. Viable interest rates, suitable for farmers
  2. 2. Market Linkages
  3. 3. Farmers training and capacitation
  4. 4. Group formations where necessary
  5. 5. Cash-flow based lending

Description

Inclusive Financial Services has a very broad Vision set at championing the socio-economic prosperity of the people of Africa. The product is geared towards funding all segments of the agriculture sector.


IFS will finance Input supply, Production, Processing, Distribution and Retailing in the following sectors:



As Inclusive Financial Services, we believe in agriculture financing as the best model to assist small holder farmers who, most of the time, lack security to secure finance for their income generating farming activities. It is the way to commercialize small holder farming. We encourage rural women to take up this facility.

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Micro Leasing

The requirements are as follows:

  1. 1. You must be involved in a productive economic activity that is viable
  2. 2. Quotation of equipment to be purchased
  3. 3. 25% deposit of the purchase value

Benefits/ Conditions of Service

  1. 1. Flexible repayment terms
  2. 2. Viable interest rates
  3. 3. Group financing structure(where applicable)
  4. 4. Convenient repayment (Ecocash, Telecash, branch, Bank transfers)
  5. 5. Quick processing time

Description

Inclusive Financial Services offers support to cooperatives, SME’s, small holder farmers, irrigations and individual micro entrepreneurs through leasing of production equipment which is of critical purpose to the business. We challenge both female and male entrepreneurs to get into business and obtain assets through our tailor made micro-leasing financing.

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Personal Loans

The requirements are as follows:

  1. 1. Current Payslip
  2. 2. Confirmation letter of employment from the employer(Should be a permanent employee)
  3. 3. 3 months bank statement
  4. 4. Proof of current residence

Benefits

  1. 1. Provides a bridging gap between your needs and your salary dates
  2. 2. Low interest rates
  3. 3. Fast turn around time.

Description

Consumer loans are for funerals, medical bills, utility bills, school fees, lobola even holidays, For Bulawayo City Council employees kindly view this banner .

We are welcoming applications for this type of finance from: University Employees, City Council Employees, ZESA Emplyees, Polytechnic Employees, Shear Water Employees, Civil Servants

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Micro-Housing Loans

The requirements are as follows:

  1. 1. Title Deeds or intention to purchase land

Benefits

  1. 1. Flexible repayment terms
  2. 2. Viable interest rates
  3. 3. Dedicated team providing excellent service and financial advice.
  4. 4. Enhancing living conditions and it is also an investment.
  5. 5. Repayments can be made at any of the branches of Inclusive financial services.

Description

High demand for shelter calls for micro housing assistance. Inclusive Financial Services offers an innovative and sustainable channel for finance access to improve houses or having renovations. This product supports a wide range of housing activities including but not limited to: repair, renovation, and improvements to existing structures, purchase of land, new construction and even improvement in infrastructure facilities. As Inclusive Financial Services we believe in transforming livelihoods of our clients socially and economically with micro housing we will ensure that our clients have personal safety and health since shelter is a basic human need..

What we finance

House developments i.e building, Roofing etc.

House Renovations i.e painting etc.

House Purchase provided you have another house.

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Green Finance



It is our passion to promote win-win initiatives which alleviate poverty and provide global environment benefits. Inclusive Financial Services aims to generate positive environment impacts by offering specific financial and non-financial services to promote environmentally-friendly businesses, practices and the acquisition of clean energy technologies.
We educate our clients to embrace the missing bottom-line environment sustainability. Thus we educate our clients on:


  • 1. Clean, renewable technology which both reduces adverse environmental impact and creates economic assets
  • 2. Sustainable agriculture
  • 3. Safe water and improved sanitation systems, and
  • 4. Our role as business enterprises in mitigating climate change.

Our Green Loans






Solar finance, energy efficiency loans, and micro-leasing

We give loans to farmers, households, rural schools and enterprises to acquire solar energy equipment, e.g.

  • 1. Solar water pumps
  • 2. Solar dryers
  • 3. Solar panels
  • 4. Solar power systems

Terms and Conditions

  • 1. Five year warranty on solar panels with a life span of twenty-five years
  • 2. No security required

Bee-keeping loans

We provide excellent loans for those interested in bee-keeping. and we link you to the markets.

Terms and Conditions

  • 1. Flexible loan repayments
  • 2. No collateral required

Borehole-drilling facility/Drip irrigation equipment loans

We offer loans for drilling and equipping boreholes for farmers, households and school facilities, especially rural schools Clients are encouraged to use solar power and get quality advice and relationship management from our Agribusiness Wealth Creation Associates.

Terms and Conditions

  • 1. Flexible loan repayments
  • 2. We provide micro-insurance
  • 3. No collateral required

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Advisory Services


Our Training and Advisory Services are offered on the following basis:

  1. 1) Inclusive Financial Services offers training on business management. This is through Inclusive Financial Services dedicating a Wealth Creation Associate (WCA) who will mentor you, visit your operations and advise you on generally acceptable business practices and how you can grow your business.
  2. 2) Our WCAs offer you advice on registration and tax compliance.
  3. 3) Our WCAs trains and advise you on proper business record keeping and book-keeping.
  4. 4) Where you are involved in our group lending products, the WCA will mentor you on group dynamics
  5. 5) Our WCA will do regular visits to your operations to advise you and nurture your business as well as the relationship you have with Inclusive Financial Services.
  6. 6) We can assist in linking you to the market.
  7. 7) You will be invited to our various business training seminars to help you become big in your operations.

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Tafadzwa

Tafadzwa is a guy....

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Frequently Asked Questions


How to Get a loan at Inclusive financial Services

Visit our nearest branch and you can easily get assistance or call on +263 9 79 048/9

What are Inclusive financial Services's Interest rates

They never exceed 10% and they vary from product to product, visit our branches and get enough information or call us at +263 9 79 048/49

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Contact Person at Head Office



Head Office
Sharon Haven Mall,
139 Jason Moyo St,
Between 14th and 15th Ave,
Bulawayo.
Tel: +263 (0) 9 79 048/9
E-Mail:

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Contacts details of our Branches

Sharon Haven Mall
Sharon Haven Mall,
139 Jason Moyo St,
Between 14th and 15th Ave,
Bulawayo.
Tel: +263 (0) 9 79 048/9
Parkade Center Branch
Shop No. 6 Five Street,
Between 9th and 10th Ave,
Bulawayo.
Tel: +263 (0) 9 79 048/9
Royal Acade Branch
Shop No. 8 & 9 Fort Street,
Royal Acade Mall, Fort Street,
Between 9th and 10th Ave,
Bulawayo.
Tel: +263 (0) 9 79 048/9
Mutare Branch
Shop No. 12a,
Oasis Mall,
Herbert Chitepo Street,
Mutare.
Tel: +263 20 038

Gwanda Branch
Shop No. 1,
Rainbow Mall,
886 First Ave,
Gwanda.
Tel: +263 284 24510

Masvingo Branch
Shop No. 2,
Sama Arcade,
Robert Mugabe Way,
Masvingo.
Tel: +263 39 266 395

Hwange Branch
28 Coronation Drive,
Hwange,
Tel: +263 281 23051

Kwekwe Branch
105 Robert Mugabe Way,
Town South,
Kwekwe,
Tel: +263 55 25863

Zvishavane Branch
9 Robert Mugabe Way,
Zvishavane.
Tel: +263 51 3781

Gweru Branch
Shop No. 1,
Fitzgerald Building,
34 Lobengula Street,
Gweru.
Tel: +263 54 220059

Chiredzi Branch
Shop No. 1,
Stand 8815,
Inyati Road,
Chiredzi.
Tel: +263 231 2431

Gokwe Branch
Shop No. 1,
Stand 7199,
Kwekwe Road,
Gokwe.

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Inclusive Financial Services Honoured for Excellent Service

The trophy and certificate of excellence


As history is made in all forms and memories created through well-orchestrated events such as the recently held Zimbabwe Institute of Management awards. On Friday the 26th of May 2017 IFS Team were invited to a dinner to mark an awards ceremony under the Zimbabwe Institute of Management umbrella. The dinner was held at Mpala Conference and Catering Centre in Bulawayo.


Zimbabwe Institute of Management (ZIM) is an autonomous, non-profit making, membership-based organisation founded in 1957. Its objective is to promote and develop best practices in management and leadership.


Inclusive Financial Services scooped the Customer Service Excellence 2016 award from Zimbabwe Institute of Management. Being honoured for being the best organisation providing excellent customer service.


As an organisation we believe in the client principles which guide us to treat our clients as kings and queens. Some of the principles we believe in include:


  • Designing products that effectively cater for our clients’ needs.
  • Communicating effectively, clearly and adequately all our procedures and processes.
  • Fair and respectful treatment of our clients.
  • Maintaining client data confidentiality.
  • Resolving client complaints in a professional manner.

  • This award encourages the team to continue putting in more effort in providing excellent service and also points out that we as Inclusive Financial Services are on the right track to being the leaders in client service excellence.


    Realising Dreams, Transforming Lives Together!



    The CEO holding the certificate while the COO carries the trophy

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    Inclusive Financial Services Awarded Best Supporting SMEs for 2016 ZNCC Midlands Chapter

    Inclusive Financial Services Awarded Best Supporting SMEs for 2016 ZNCC Midlands Chapter.

    Without doing themselves at the Midlands Awards ceremony, IFS scooped a prize for best supporting financier of SME’s Midlands Chapter of ZNCC awards 2017. Having travelled a couple of kilometres to attend this event, the team represented the organisation in its well clad IFS-Way corporate wear, which made it all the easier to be spotted even for the award and other to come. As our products now encompass SME’s, it was with such honour that IFS received this award as it showed that indeed the market is vastly seeking our assistance and we will endeavour to reach all SME’s in Midlands and across the nation.

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    IFS shakes the technology realm in Microfinance

    Inclusive financial services won the award for the most innovative use of technology using Musoni Software. Musoni is a cloud-based, core-banking system used by organisations all around the world. The software has been consistently proven to help financial organisations improve efficiency, reduce costs, and expand outreach into the rural areas where the majority of the unbanked live.

    Musoni has pioneered the use of new technology in microfinance, and as such is integrated with multiple mobile money transfer services, includes an SMS module for the sending of automated payment reminders, a tablet app that loan officers can use for offline data capture, a mobile banking app for clients and credit scoring to improve lending decisions. Musoni therefore helps financial organisations to leverage the latest technology.

    Inclusive Financial Services is one of the leading microfinance institution operating from the Southern Region using latest technology and is not stopping there it is investing in technology to make lending and other processes involved in lending easier.

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    Inclusive Financial Services outshines other MFI's



    Inclusive Financial Services has segmented its target market to ensure deeper understanding of client needs and propelling the apparatus of the organisation to serve clients well. The organisation has tailor-made facilities for youth entrepreneurs, women entrepreneurs, agriculture value chain or small holder farmers, where farmers not only get funding but are linked with the market for their produce and suppliers of inputs. The organisation has good facilities for rural micro entrepreneurs and supports heavily the SMEs. Additionally to its product range, the organisation is now also offering micro leasing, micro housing and advisory services.


    Inclusive Financial Services has financed a lot of smallholders farmers mainly women engaged in sesame, beans, groundnuts, maize, chicken and paprika production to name a few of the organisation’s developmental initiatives. The company has successfully financed a huge number of youth entrepreneurs, microenterprises and SMEs targeting the productive sector.


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    Dr Gerald Zhou wins Service Executive of the year while Inclusive is Service Excellence winner of the year 2016



    Inclusive Financial Services is one of the leading microfinance institution operating from the Southern Region. Inclusive Financial Services has eleven branches nationwide covering Manicaland, Masvingo, Midlands and all the Matabeleland provinces. What is outstanding about Inclusive Financial Services is the client-centric culture which is evident in any of the branches. Clients feel valued and the organisation goes extra miles to ensure that clients’ micro businesses are transformed. “It’s not only about just giving our clients money as loans, as an organisation we value the relationship and the impact of our relationship with our clients. It’s not duty but a call to ensure clients realize their dreams”, said Gerald Zhou, the company’s CEO at the recent CCAZ ceremony held in Bulawayo recently.


    In one’s interaction with any of the organisation’s staff members, it’s very apparent that the employees are well groomed and mentored to give excellent service to all clients. Gerald Zhou the organisation’s CEO advised that the organisation has systems in place that solicit for client feedback, complaints and suggestions which then enable the organisation to roll out client preferred products, charge acceptable interest rates and stay ahead of client expectations. It is no surprise that Gerald Zhou was voted the CCAZ Service Executive of the year 2016 while Inclusive Financial Services was voted the Service Excellence winner for the year 2016 in the microfinance service sector category. Inclusive Financial Services is the only internationally rated microfinance institution in the Southern Region so far by Microfinanza an international microfinance rating institution based in Italy. With proper delivery microfinance plays a key role in economic development.


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    Dr Gerald Zhou bags yet another prestigious award - Megafest CEO of the Year 2016

    “Excellence is not an act but a habit”, that’s what Dr Gerald Zhou always emphasises to his team at Inclusive Financial Services.



    It is clear that he now has a habit of getting excellence accolades year after year as Inclusive Financial Services continues to shine. On 28 October 2016 at the glamorous occasion attended by the top business leaders in the Southern Region, Dr Gerald Zhou was crowned the Megafest Chief Executive Officer of the year 2016.


    Amid thunderous applauses as he accepted the award he said “It is a great, pleasant and yet humbling honour to receive such an award as it was for all the people in the Southern Region”. He thanked the panel of judges for the recognition. He was out of words in terms of his gratitude to the Inclusive Financial Services team for the sterling efforts in transforming communities and livelihoods. He applauded Inclusive Financial Services team for outstanding client service and thanked the clients for their support for the Inclusive Financial Services brand.


    Dr Gerald Zhou has won a number of accolades over the past years as the organisation continues to grow setting the international standards for good microfinance practice in Zimbabwe. Inclusive Financial Services (Private) Limited is the first and only microfinance company to be internationally rated in Zimbabwe’s Southern Region. The company was recently rated by Microfinanza an international rating agency head officed in Italy.


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    Gerald Zhou: Megafest Businessman of the Year 2015


    The Managing Director of Inclusive Financial Services was recently honoured at the Megafest National Business Awards, where he won the award for Businessman of the year 2015.


    This is not the first time the IFS managing director has been recognised in business circles, finance and microfinance.


    He has won 1st Runner up Megafest Management Team Builder of the year award 2012, Megafest Business Excellence Award 2014, ZNCC Business Man of the Year Award 2014 Southern Region and ZNCC Zimbabwe National 2nd Runner up Business Man of the Year Award 2014. He is showing the country as a whole that microfinance can transform businesses and small holder farmers in Zimbabwe.

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    Inclusive Financial Services awarded with 1st Runner up National Financial Institution Supporting SMEs (ZNCC) 2016


    Inclusive Financial Services stepped up again by emerging as a proud first runner up award winner of the Best Financial Institution Supporting MSME category at the National ZNCC awards. Cementing its reputation of providing full support of financial services to SMEs in Zimbabwe, Inclusive Financial Services outshined by scooping the Financial Institution supporting SME First runners up Award. The Zimbabwe National Chamber of Commerce Awards took place on the 29th of June 2017 at Elephant Hills Hotel in Victoria Falls on an event that marked the Inauguration of a new ZNCC National Executive Board. It was an exceptional day filled with excitement at the venue with more than 40 cooperates present. The 3 award winners of the Financial Institutions Supporting MSME category were Agribank, Inclusive Financial Services and CBZ holdings.


    Our Clients' Needs


    Inclusive financial Services is focused on ensuring that you as our partners/members have access to finance. We understand your needs as our clients and tailor make our products to ensure that you are empowered and prosper.

    We understand that you are youth entrepreneurs, you may not be having collateral and no one is willing to be your guarantor. Yet you have big dreams and great business prospects. Come in, we mentor you through our training and fund your enterprises.

    We understand that you are a woman entrepreneur, you may lack collateral or feel excluded from the financial services. We are Inclusive Financial Services and the right partner for you. We understand you want to run your business and yet you have many chores at home. Our tailor made facilities either under our group lending or individual lending model will help your enterprise grow.

    You have an order to deliver or you have delivered your order already your products and you are yet to be paid. Other financiers are singing collateral and you are starved on your working capital. You are the right client to be visited by our teams. We have a solution for you.

    You are a farmer(especially a small holder farmer) need training, you need working capital, equipment or markets for your produce. Do not despair, We are Inclusive Financial Services the right microfinance institution for you.

    You are called a micro-enterprise or SME and you need working capital or to acquire equipment, look no further. This institution called Inclusive Financial Services with a trademark purple color will offer you the tailor made solution to make you big. They say you are small, but we say you are a big business.

    In bereavement times where you need money, it becomes more devastating. Your child should never be sent back home for lacking school fees or uniforms. Children are our future as a nation. When your employer delays in paying your salary, keep working well we will support you until you get paid. Do not forget holidays you need them we can finance you so that you refresh.In cases where you get sick and need your medical bills sorted so that you are back on track do not stress, we are your all weather friend finance partner-Inclusive Financial Services.

    Branches and Outreach

    Inclusive Financial Services's operation areas are covered in the light shade as higlighted.

    Sharon Haven Mall
    Sharon Haven Mall,
    139 Jason Moyo St,
    Between 14th and 15th Ave,
    Bulawayo.
    Tel: +263 (0) 9 79 048/9
    Parkade Centre Branch
    Shop No. 6 Five Street,
    Between 9th and 10th Ave,
    Bulawayo.
    Tel: +263 (0) 9 79 048/9
    Royal Arcade Branch
    Shop No. 8 & 9 Fort Street,
    Royal Acade Mall, Fort Street,
    Between 9th and 10th Ave,
    Bulawayo.
    Tel: +263 (0) 9 79 048/9
    Mutare Branch
    Shop No. 12a,
    Oasis Mall,
    Herbert Chitepo Street,
    Mutare.
    Tel: +263 20 038

    Gwanda Branch
    Shop No. 1,
    Rainbow Mall,
    886 First Ave,
    Gwanda.
    Tel: +263 284 24510

    Masvingo Branch
    Shop No. 2,
    Sama Arcade,
    Robert Mugabe Way,
    Masvingo.
    Tel: +263 39 266 395

    Hwange Branch
    28 Coronation Drive,
    Hwange,
    Tel: +263 281 23051

    Kwekwe Branch
    105 Robert Mugabe Way,
    Town South,
    Kwekwe,
    Tel: +263 55 25863

    Zvishavane Branch
    9 Roberty Mugabe Way,
    Zvishavane.
    Tel: +263 51 3781

    Gweru Branch
    Shop No. 1,
    Fitzgerald Building,
    34 Lobengula Street,
    Gweru.
    Tel: +263 54 220059

    Chiredzi Branch
    Shop No. 1,
    Stand 8815,
    Inyati Road,
    Chiredzi.
    Tel: +263 231 2431

    Gokwe Branch
    Shop No.1 7199,
    Stand 7199,
    Kwekwe Road,
    Gokwe.

    Meet a Client

    “Inclusive Financial Services really helped and groomed me. I want to maintain the good relationship between myself and Inclusive Financial Services and I know that Inclusive Financial Services will help me achieve my dream of having a big and well recognised general dealer business in my rural home town” said one of our Micro-Enterprise Client.

    Our Head Office

    IFS always goes further to bring your transactions closer, which is why we’ve established a comprehensive branch network throughout Zimbabwe’s towns and provinces. As of July 2017 IFS operates 11 Branch offices throughout 7 provinces and city, meaning that wherever you are, there’s sure to be an IFS officer near you.

    IFS’s branches are located in convenient locations and are complimented by a door-to-door service.

    Serving more and more people in more places every year, IFS continues to help people nationwide secure a better future for themselves and their families.

    Our Sharon Heavens Mall Branch




    SHM Branch is situated at 139 Jason Moyo Avenue between 14th and 15th Avenue in Bulawayo. The branch is next to the Head office at Sharon Haven Mall and was the first branch opened in Bulawayo, on the 12th of June in 2012. The location is on the outskirts of Bulawayo's CBD providing our customers with hassle free parking space. Upon entering the spacious branch you are greeted by a lavender and warm smile from the Customer Service Champion who will direct you to our team of experts, led by the young and energetic Team Leader.

    The team is professionally trained and has an impeccable record of excellence and integrity, they have passion about providing customer-centric products to enhance the total customer experience. The branch offers financial planning, business advisory services, wealth creation and management services. At SHM, we treat our customers as partners in business and seek to fully understand their needs while providing solutions tailored to them.

    The SHM Branch members are team players who believe in the old adage by Henry Ford that "coming together is the beginning, keeping together is progress and working together is success". The team members are well motivated, this is exhibited by the exuberance they show when serving their clients. At SHM, nothing gives us greater satisfaction than the smile on clients faces after experiencing world class service.

    Our Parkade Branch




    Parkade Centre branch was officially opened on the 3rd of December 2012, a curious place where everybody in town wanted to find out who we were, what we were about and where we were going. The “next level banking” branch which hosts itself in the centre of Bulawayo City, shouts out with its wonderful colours and many smiling faces.

    The branch boasts of the following factors that have helped it grow:

    1. A beautiful, professionally dressed, cheerful team of 5.
    2. A clean, lavender fresh scent within the branch.
    3. A lush purple and silver branding from the inside to the outside of the branch.

    These have drawn up the growth and success story of a vibrant branch, and indeed “next level banking” as the team enjoys describing itself.

    Team Parkade is all about a world class customer service experience, where YOU our customer are our QUEEN and us the ANTS seek to provide you with customized solutions that fulfill each of your needs. Our team of professional credit analysts is always looking to make sure your financing requirements are met whilst balancing your short-term and long term financial needs. We always look to improve beyond what we are already doing as continuous improvement is a way of life for every member of Team Parkade.

    Parkade enjoys breaking barriers and pioneering innovation which is why our motto is “NEXT LEVEL BANKING”.

    Our Royal Arcade Branch

    Royal Arcade branch was officially opened to the public on the 21st of January 2014. It is conveniently located in the CBD of Bulawayo at the corner of 9th Avenue and Fort Street, at the Royal Arcade Complex.

    The branch is manned by professionals who are well versed with the IFS products and services. The team's greatest strength and value hinges on offering ‘WORLD CLASS QUALITY SERVICE', to both potential and existing clients, the kind of service that really defines what IFS stands for.

    The branch believes in transforming ordinary citizens' lives and poverty alleviation, and this is reflected in the size of our portfolio, as we believe that these areas have the highest percentage of the financially excluded population in the region and country. Visit us and we will give you the kind of service you will only find at Inclusive Financial Services.

    Our Gwanda Branch

    Inclusive Financial Services Gwanda Branch was officially opened on the 12th of June 2014 in the provincial capital town of Matabeleland South. The branch is situated at Number 886, 1st Avenue Gwanda. The friendly staff is committed to providing efficient and quality service whilst living up to the “IFS WAY”. The young team is hardworking and their sterling efforts continue to show in their results.

    Team Gwanda is known for excellence as they show teamwork in all their dealings.The team comprises of skilled and experienced personnel in banking and lending. Team Gwanda focuses on delivering financial products that address the needs of and empower the economically active rural and urban income households and businesses through provision of diversified, ethical, sustainable and affordable financial services, in a manner that is convenient and simple.

    Our Mutare Branch

    Curiosity was the theme of the day when Inclusive financial Services opened a branch in Mutare on the 16th of March in 2015. Many people were attracted by the prominent colour purple as they all came to find out what the organisation had to offer them.

    Being the first of its kind in Mutare, the branch is hard to miss as one drives out of Mutare towards Masvingo, and when one is entering the city. It is located at shop number 12, Oasis Mall along Herbert Chitepo Street.

    The branch is manned by professionals who are well-versed with IFS products and services.

    Our Masvingo Branch

    Inclusive Financial Services’ Masvingo branch spurred much excitement in the city when it opened on the 17th of March in 2015, a day after its Mutare sister. The branch, is conveniently located along Robert Mugabe Way, is the easily identifiable as you enter the city from Mutare.

    This branch is clearly visible especially at night because of its outside light boxes that show off the beauty of the purple colour.

    As you walk in, the modern design and colours immediately strike you with their beauty. The Masvingo team comprises of team players who are professional, well knowledgeable about IFS products and who always strive to make their clients leave the branch with a smile on their faces.

    Our Hwange Branch

    Inclusive Financial Services strode into Matabeleland North Province with the opening of Hwange Branch on the 17th of August 2015. The branch is a prominent feature on Coronation Drive, and is easily recognisable by its outstanding purple colour. It is targeted at bringing Inclusive Financial Services’ mission to the people of Hwange and the surrounding areas to empower the economically active rural and urban households and businesses through provision of diversified, ethical, sustainable and affordable financial services in a manner that is convenient and simple

    The branch is manned by an energetic young team that is very well versed with the IFS way, and is committed to providing quality service at all times to ensure customer satisfaction.

    Our Kwekwe Branch

    Inclusive Financial Services landed in Midlands province on the 10th of October 2015 when they opened a branch in Kwekwe. The branch is located along Robert Mugabe way and it is easy to spot with its distinct branding and bright colours. By its presence in Kwekwe, Inclusive Financial Services is targeting mainly to serve rural micro-entrepreneurs. Kwekwe rural district has 27 wards which fall in ecological regions III and IV. Region III receives moderate to low rainfall with relatively high temperatures and is subject to seasonal droughts. Region IV receives even less rainfall and is subject to frequent seasonal droughts. Kwekwe rural district has a total of 29 054 households involved in crop, livestock and fisheries.

    The branch is conveniently located and accessible to the people. The staff are professional, humble and will be able to handle the requests from all segments of society especially women who are regarded as family bread winners.

    Our Zvishavane Branch

    Inclusive Financial Services’ Zvishavane Branch roared to life on the 28th of October 2015, as the organisation continued to pursue their vision to be the leading provider of Inclusive Financial Services championing the socio-economic prosperity of the people of Africa. This is the organisation’s ninth branch, located along Robert Mugabe Way in Zvishavane. The branch aims at bringing IFS quality products and services to the people of Zvishavane and lower Midlands at large.

    The branch is manned by a young and energetic team that has been well trained in the organisation’s culture and values. They constantly strive towards excellence, and work hard to always provide the best service to clients.

    Our Gweru Branch

    It was a busy day on the opening of the organisation’s tenth branch as Gweru residents filed in, curious to know what Inclusive Financial Services was bringing to their doorstep. The focus of the branch is to bring tailor made financial solutions to the prevalent SMEs in the area. Inclusive Financial Services has also introduced a Youth Entrepreneurship Development Support Facility, aimed at empowering young people in business.

    Our Chiredzi Branch

    Sweetness was redefined when Inclusive Financial Services Private Limited opened its doors in Chiredzi on 23 May 2016. The branch is strategically situated along Inyati Road. That is the first shop that sweetly greets you as you visit Chiredzi Town and bids you farewell as you depart from Chiredzi.

    The branch has a young and vibrant staff complement that’s ever smiling and willing to serve the clients in an excellent manner. The branch’s main thrust is to empower the small holder farmers, micro-entrepreneurs and value chain financing in the Lowveld area. Inclusive Financial Services believes in quality services. This is evident by the smart and modern look which spells comfort to clients.