Established in 2004, Izwe Loans is a specialist Financial Services Company offering unsecured term loans to the formally employed but under-banked market.

In just under ten years Izwe Loans has established itself as a pre-eminent Pan African Financial Services Player.

Izwe Loans operates through subsidiary companies, through a digital platform in South Africa, 9 branches in Zambia, 6 in Ghana and 12 in Kenya.

Izwe Loans is managed by a team of highly experienced South African micro finance professionals from its Johannesburg head office on much the same principles as the formal banking sector. In Zambia, Ghana and Kenya, the businesses are managed by experienced local management teams, with effective central support from the South African team. Credit is provided through electronic banking channels to salaried employees with stable monthly incomes.

Through online credit scoring models and an integrated debtor management system, Izwe Loans considers itself as an industry leader in application turnaround, often achieving same day pay-out. As part of our risk mitigation in Zambia, Ghana and Kenya, Izwe Loans only takes on loans where repayment can be routed through salary deductions, significantly reducing counter-party risk.

Material shareholders include: Old Mutual Group, Sanlam and the FirstRand Group.

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