About Us

Kusha Money Lenders Limited is a licensed financial services provider incorporated in Zambia on March 31, 2025. We received our official lender’s license from the Ministry of Finance on June 4, 2025, marking a significant milestone in our journey to empower communities through inclusive financial solutions.

At Kusha, we are dedicated to delivering both financial and non-financial services to underserved and middle-income individuals across Zambia—whether in bustling urban centers or remote rural areas. Our goal is to bridge the financial gap by offering accessible, efficient, and reliable microcredit services tailored to the needs of our clients.

We operate with a dual focus: generating sustainable value for our shareholders while enhancing the economic well-being and resilience of our customers. Through innovation, integrity, and community-driven solutions, Kusha Money Lenders Limited is redefining the future of inclusive finance in Zambia.

Vision

to become a leading financial institution in Zambia, providing high-quality financial services to active impoverished families and creating benefits for customers, shareholders, employees, and society.

Mission

We are a financial institution that provides financial services to impoverished entrepreneurs, women and youth, group and individual operators, farmers and families active in rural and urban areas of Zambia, to support them in achieving their personal, family and socio-economic goals.

Core Values

Integrity Cost Effectiveness Social responsibility

Staff Empowerment Participation Excellence

Customer Oriented Team work and Involvement Trustworthiness

Respect each other Quality of service Continuous Learning and changing Result orientation Transparency

Purposes

The main purpose of a Micro-financing institution shall be extend credit to rural and urban farmers and people engaged in other similar business activities as well as micro and small scale rural and urban entrepreneurs. The maximum amount of credit disbursed may be determined by the Zambian Ministry of Finance.

Goals of Kusha

To provide financial services for urban and rural small and micro enterprises, individual entrepreneurs and startup business operators focusing on gaps for financial services;

To provide efficient and effective financial support to green energy supply generation to the rural and urban population;

To become a high efficiency microfinance institution by providing affordable, accessible and convenience financial services for its customers;

To empower women and youth entrepreneurs engaged in petty trade and manufacturing

Products and Services

Kusha is currently providing loan . In future in addition to provision of loans and it will provide local money transfer, mobile banking, agent banking and other services.

Major Loan Products

Group Microbusiness loan Micro business loan Consumer loan Women Entrepreneur loan, Individual Business loan Energy/Solar loan Agricultural loan Fixed Asset loan Interest Rate of Loan Products are 24 to 31 % Non-financial services Business, marketing, management and finance training for clients, Technical support, Stakeholders management Fund management, Business advices