About Us
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 Values
Customer Success
Our company exists to help our customers succeed. When our customers and our employees grow, we grow. Every decision we make is based on how well it serves our customers.
Integrity
Our teams act with integrity and honesty. We strive to do the right thing always, act truthfully and honourably. We openly collaborate in pursuit of the truth.
Passion
We have an uncompromising focus on impact. We take pride in our work and bring our best to all interactions. We overcome barriers, find solutions and deliver exceptional results.
Innovation
We strive to do better and seek creative ways to solve tough problems. We use technologies that transform the lives of the communities we serve. We listen, innovate and deliver.
Our Services
ZAAKO LOANS
Zaako loans is the fastest way to borrow from Bumi. Dial *788# to get started.
BUMI GROUP SAVINGS AND LOANS
We offer guidance and support for constitution formulation and book keeping for start up and existing savings groups.
SME -Business Loans
Offered to Self- Employed & SME’s that have been in existence for a minimum of 12 months.
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SALARY ADVANCE
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.
VILLAGE SAVINGS AND LOAN GROUPS SERVICES
We support women in both urban and rural areas to form savings and loan groups by providing training and resources in the following:
- Savings and loan group social mapping
- Development of Group constitution
- Financial Management models to help track savings, loan disbursements and repayment
- Digital platforms and tools for the efficient management of the group
- Risk Management framework
- Investment options for growth
We facilitate the uptake of effective tools and practices and partner with diverse stakeholders that promote the creation of savings and loan groups.
Zaako Business Loan
This loan product is designed for entrepreneurs and small businesses lacking access to banking services as well as those facing challenges in working capital and cash flow needs.
This is a group loan product available to registered groups with Bumi Capital Services in the selected trading or market centres. It is a quick source of working capital for market traders to take advantage of opportunities that arise in their operation.
Members of the group can instantly request or repay loan by dialling the Zaako short code *788#.
For more information, please contact us today
Salary Advance
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.
We finance employees of reputable companies with evidence of salary payment for the last six months This loan product is available to reputable companies and pre- approved clients after signing an agreement and registering for the service with Bumi Capital Services. Employees of the registered company can instantly access the salary advance by dialling *788# and select “Request Loan” on Zaako Menu.
To repay loan, the employer will recover the funds from the employee’s subsequent salary. Alternatively, the employee can make their own repayment by dialling *788#, select “Repay Loan”, enter the amount due and press OK, enter your Zaako PIN and press ok to confirm transaction.
For more information, please contact us today
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
HOW TO INSTANTLY ACCESS A LOAN USING ZAAKO.
Follow the 3 simple steps to get your loan.
Customer's Stories
“Bumi is transforming lives. I’ve been proud to share Bumi with everybody on my contact list. Each week I get notified that someone I have referred to request a loan and fully settled it. For this, I get a bonus and It’s just not about the money, it’s the fact that I helped someone somewhere. It is your pride. That’s the beauty about Bumi.”.
Morgan Mulenga
“I highly recommend Bumi for start-ups and those running small businesses. The bank requires you to provide so many documents that sometimes may not have, but it’s a different story with Bumi. You are just one step away because Bumi believes in you.”
Zoe Kuyanda
“Bumi currently stands as my greatest business partner. I worry less when am short on cash because the first thing that comes to my mind is reaching “Zaako”. It’s just me and my phone. That’s Bumi’s biggest advantage.”
Moody Munis
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.