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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:


  • 1. Feedlot Models
  • 2. Communal Irrigation Schemes
  • 3. Organised Poultry projects
  • 4. Organised Fisheries
  • 5. Piggery Projects
  • 6. Goat projects
  • 7. Horticulture

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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Tafadzwa

Tafadzwa is a guy....

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Image Testmonials

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Audio Testmonials


Our Client's Audio Testimonial:


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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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    Our Purpose



    To transform the livelihoods of our clients socially and economically by availing them modern, inclusive financial services that maximize their opportunities.

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    Our Vision

    To be the leading provider of inclusive financial services championing the socio-economic prosperity of the people of Africa.

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    Our Mission



    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.

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    Our Values


    Integrity

    Teamwork

    Passion

    Innovation

    Execution

    Excellence

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    Today's Efforts, Tommorrow 's future

    Today's Efforts, Tommorrow 's future

    Inclusive Financial Services has taken on the responsibility of looking after the vulnerable and disadvantaged children in our community as part of the effort to transform as many lives as possible. The organisation seeks to foster lost children so that they have a future as bright as any other child...

    This has been realised through active participation in improving the lives of children housed at children’s homes, namely Emthunzini Wethemba Children’s home, and Sandra Jones Centre. Recently members of staff visited Emthunzini Wethemba and spent an afternoon weeding the garden, as well as playing games with the children. There were smiles everywhere as staff and children alike played football and volleyball in mixed teams. The day ended with Inclusive Financial Services making donations of various food items, clothing, and garden tools.

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    Today's Efforts, Tommorrow 's future


    Khayelihle Children's Village

    There were bright smiles all around on the 5th of September 2016 when Inclusive Financial Services team members visited Khayelihle Children's Village. The home houses many orphaned children and runs various programs to improve the lives of these children as they grow up. The team managed to donate various items in the form of groceries and clothes, which were well received. The afternoon was spent playing various games with the children, among which were football and netball.

    IFS Team members enjoy a game of football with the children

    IFS staff sing joyfully with the Children before heading out for an afternoon of games




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    Client Protection Principles

    Equity Group Holdings Limited Appointments

    IFS strongly commits to implementing the seven Client Protection Principles detailed as below:

    1- Appropriate Product Design and Delivery: Inclusive Financial Services takes adequate care to design products and delivery channels in such a way that they do not cause its clients harm. Products and delivery channels are designed with client characteristics in mind.

    2- Prevention of Over-Indebtedness: Inclusive Financial Services takes adequate care in all phases of the credit process to determine that its clients have the capacity to repay their loans without becoming over indebted. In addition, We implement and monitor internal control systems that support the prevention of over-indebtedness; this fosters efforts to improve market-level credit risk management (such as credit information sharing).

    3- Transparency: Inclusive Financial Services communicate clear, sufficient and timely information in a manner and language clients can understand so that clients can make informed decisions. IFS commits to providing transparent information on product pricing as well as terms and conditions.

    4- Responsible Pricing: At Inclusive Financial Services Pricing, terms and conditions are set in a way that is affordable to clients while allowing the financial institution to be sustainable.

    5- Fair and Respectful Treatment of Clients: Inclusive Financial Services treat its clients fairly and respectfully and does not discriminate. IFS ensure adequate safeguards to detect and eliminate corruption as well as aggressive or abusive treatment by our staff, particularly during loan and debt collection processes.

    6- Privacy of Client Data: Inclusive Financial Services safeguards and protect client information at all times. IFS does not believe in disclosing client information without clients’ knowledge and consent.

    7- Mechanisms for Complaint Resolution: Inclusive Financial Services believes in listening to its clients and ensuring that their concerns and grievances are addressed effectively. IFS is committed to providing formal channels of communication with customers through which customers can give feedback on the quality of our service.

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    Social Responsibility to Staff

    Equity Group Holdings Limited Appointments

    IFS strongly commits to implementing the seven Client Protection Principles detailed as below:

    1- Communication between staff and management:: Inclusive Financial Services's management team holds regular meetings with staff providing them with the opportunity to collectively discuss issues related to ongoing business operations and career concerns, through raising questions, concerns or ideas during the meeting. IFS favors a friendly and stimulating working environment through providing adequate care and encouragement to staff and promoting staff capacity building and development.

    2- Internal Events: Inclusive Financial Services holds several events during the year to enhance team work and solidarity amongst staff and between staff and management. Events include the yearly management workshop, the annual seminar, the New Year celebration party, and celebrations on national and international holidays..

    3- Staff Capacity: Inclusive Financial Services promotes staff capacity building by providing core basic training courses, such as training on internal policies and procedures, financial products and business ethics, the code of conduct, Social Performance Management (SPM) and the Client Protection policy to all new recruits in order to enhance their ability to work independently and to ensure that they understand IFS’s corporate culture and values. IFS also sends staff members to international training workshops and on study tours to benefit from the real practical experiences of other financial institutions.

    4- Working Environment: Inclusive Financial Services has various policies and procedures such as Corporate Culture, Corporate Values, Code of Conduct, Human Resources and Sexual Harassment, Whistle Blowing, and Business Continuity Policies, to ensure all staff are treated fairly and to build a common relationship amongst staff. Moreover,IFS pays attention to the health and safety of all staff; it provides Medical Aid to staff for medical treatment and coordinating insurance claims for employees.

    5- Talent Management Program: Inclusive Financial Services's Talent Management Programs are designed to identify real potential inside internal resources in order to encourage staff development and motivation aimed to improve productivity and job satisfaction. The Talent Management program has benefited a number of staff members. Members of the program receive both hard and soft skill training that accelerates the development of their competencies and aids them in their career progression. Additionally, they will be considered for internal promotion at IFS.

    6- Staff Loans: Inclusive Financial Services designed this product with the goal of motivating existing staff through the provision of low interest loans to support their personal goals or projects.

    7- Transparency: Inclusive Financial Services rejects all discrimination based on race, religion, gender or political allegiances, and only focuses on staff competency and ethics; IFS provides equal opportunities to all staff and the public when applying for new or higher positions within IFS. In addition, IFS promotes gender equality by setting a target number of female staff to be chosen every year to be in balance with the number of male staff.

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    Sandra Jones Center

    Equity Group Holdings Limited Appointments