MFinance is a financial services company in Zambia operating in the micro-finance segment of the market. It is licensed as a deposit taking institution by the Bank of Zambia ranking amongst the market leaders; it is part of the MFS Group, one of the leading diversified financial services groups in Zambia, listed on the Lusaka Stock Exchange. MFinance has two business units notably providing credit to salaried employees of public and private sector enterprises, through the salary-deduction mechanism, and to micro, small and medium sized enterprises (‘MSMEs’). In both segments of the market, the credit is for relatively modest amounts and for relatively short periods thereby reducing the risk of non-payment.