About Us

about Bumi

We believe that Financial Inclusion enables families and small businesses to invest in their future and the ability to respond to unforeseeable risks.

It is for this reason that BUMI CAPITAL SERVICES LIMITED was established with a singular goal of providing comprehensive financial solutions. We provide financial solutions for individuals and small businesses with the aim of enabling them to grow and succeed.

Across the world, women have less economic opportunity and freedom and this has defined our particular focus on women through the provision of business and financial literacy training bundled with financing.

At the Core of what we do is our Passion to help our Clientele achieve their goals no matter how big or small.

Our Mission

is to empower individuals and small businesses, particularly women owned enterprises, and transform their ambitions into success stories.

Our Vision

is to be a leading and preferred partner for Financial Services that support business growth and personal financial viability.

Our Services

Zaako Loan


Zaako loans is the fastest way to borrow from Bumi. Dial *788# to get started.

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Bumi Savings Groups


We offer guidance and support for constitution formulation and book keeping for start up and existing savings groups.

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Emergency Loans

SME -Business Loans

Offered to Self- Employed & SME’s that have been in existence for a minimum of 12 months.

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Invoice/LPO Discounting


Our Zaako Salary advance product relieves employers or companies the burden of managing staff advances but at the same time offering employees the cash relief they may require from time to time.

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Introducing Zaako Loan

Because we know life happens and our customers will every now and then need a boost to their finances, we have introduced Zaako loans.
This is an instant loan paid directly onto your mobile money account and can be accessed by dialing *788# on your mobile phone

  • Available 24/7
  • Instant
  • Works on all networks
  • Simple and secure


Follow the 3 simple steps to get your loan.

Customer's Stories

Frequently Asked Questions

How much can I borrow?

Bumi will carry out an assessment of your application and advise how much you qualify for. Minimum k50, Maximum k10,000.

What are your interest rates?

Interest and set up fees are shown during your loan application process. Dial *788#.

How do I qualify?

-You must be in employment with a company registered with Zaako.
- OR Running a business in the following trading centers or markets - Bauleni, Mtendere, Kalingalinga, Kalikiliki, Chilenje etc..

What is your opening time?

Our working hours are from 8am to 5pm, however access to loans is 24/7 subject to meeting the terms and conditions.

How do I pay off my loan?

Loans can be repaid anytime using mobile money (Airtel, MTN, Zamtel) or via payroll deduction for salary advances.

What happens if I do not pay on time?

Missing loan payments may result in penalty fees or the inability to get a subsequent loan from us as well as other lenders. You may be contacted by collections agents if you do not repay your loan on time.

Contact Us

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