Meet Our CEO

Meet Our CEO

Gerald Zhou is the Chief Executive Officer and founder of Inclusive Financial Services (Private) Limited. He was born on 23 April 1977. Gerald has worked for various banks. He started his career as a graduate management trainee with Zimbabwe Financial Holdings “Finhold” now ZB Holdings. He progressed in his career to work for Syfrets Merchant Bank, Banc ABC, Barbican Bank, ZABG Bank, Stanbic Bank and Trust Bank.

Gerald Zhou’s vision is to empower disadvantaged communities, foster development in Africa and is passionate about transformation of Zimbabwe into a better economy through Inclusive growth. Accordingly Gerald Zhou founded Inclusive Financial Services (Private) Limited in 2012, Inclusive Financial Services (Private) Limited has grown to be one of the best leading microfinance companies in Zimbabwe with over 14 branches covering the whole country. Inclusive Financial Services (Private) Limited provides SMEs finance, Microenterprise finance, Agribusiness finance, Micro housing and building finance, Youth Entrepreneurship finance, Micro leasing finance and Advisory services. The organisation has registered phenomenal growth and has served more than 40-000 clients to date. Inclusive Financial Services (Private) Limited has a current staff compliment of 95.

Inclusive Financial Services (Private) Limited has received many awards for its outstanding performance since inception. It has been voted the best Microenterprise Supporter by Zimbabwe National Chamber of Commerce in 2013, 2015, 2016 and 2017 which speaks of the company’s emphasis on excellent service in the financial sector. Inclusive Financial Services has received various awards from Megafest holding as the best organisation every year since 2012. Further, Inclusive Financial Services (Private) Limited has been rated the best client service provider by Zimbabwe Institute of Management in 2016 and 2017 further exhibiting Gerald Zhou’s leadership qualities.

Gerald Zhou has received various accolades from ZNCC, Megafest Holdings, Zimbabwe Institute of Management and CAAZ being voted National Businessman of the year, Chief Executive Officer of the year and Most Outstanding Leader of the year.


Gerald Zhou is well experienced in the field of finance and development.
Shown through the following qualifications

  • Doctorate in Business Administration
  • Masters of Business Administration
  • Masters degree in Political Marketing
  • Master of Leadership in Development Finance
  • BSc Hons degree in Economics
  • Pgd Diploma in Corporate Management
  • Diploma in Credit Management
  • Diploma in SME finance
  • Diploma in Microfinance
  • Pgd certificate in corporate management
  • Bank Credit management Diploma
  • ILO certification in Microfinance

Gerald Zhou is married and has two children. He participates in community development activities. Gerald sits on the board of Khayelihle Children’s home an orphanage home.