Anakazi loans: supporting women who mean business

Behind every thriving business is a bold entrepreneur. Anakazi Loans are designed to provide financing for women-owned businesses and female entrepreneurs who are ready to take their businesses to the next level with the right support and financing.

Loans for championing her potential

Anakazi Loans are Divitia’s flagship financial product dedicated to supporting women-owned businesses and female entrepreneurs across Zambia. Whether you’re starting, scaling up, or seeking stability, these loans provide the financial foundation you need to achieve your business goals.

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Flexible rates

Affordable and flexible interest rates designed to empower rather than burden.

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Up to K100,000

Borrow amounts from K500 to K100,000, whether you’re launching or expanding.

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24 hours approval

Get a decision within 24 hours, so you can focus on growing your business.

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Tailored for women

Loans exclusively for women entrepreneurs and business owners.

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No hidden fees

We keep things simple and honest, so you know exactly what to expect.

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Support beyond financing

Access to mentorship, networking, and resources to help you succeed.

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Anakazi means more than just loans

At Divitia, we believe financial empowerment goes beyond money. That’s why Anakazi Loans come with additional benefits:

Networking opportunities

Connect with other women entrepreneurs to share insights and collaborate.

Workshops and training

Access free or discounted training sessions to build your skills in finance, marketing, and operations.

Anakazi loan eligibility criteria and documentation

Anakazi Loans are designed specifically for women who are passionate about their businesses. Here’s what you’ll need to qualify:

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Eligibility criteria

Are you eligible? Below is the list of eligibility criteria you must meet

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Must be a Zambian woman aged 18 or older.
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Must own or co-own a registered business or operate as a market trader.
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Proof of income or business revenue.
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A valid form of identification (e.g., NRC or passport).
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Documents required

For quick loan approval, the following documents are be required to be eligibile

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Business registration documents (if applicable).
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Recent bank statements (last 3 months).
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A business plan or statement of purpose for the loan.
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Proof of residence (e.g., utility bill or tenancy agreement).
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Estimate your loan and monthly repayments

Use our loan calculator to estimate your monthly repayments and see how our flexible options can work for you right where your business is.

Equated Monthly Installments (EMI):
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Total Amount Payable:
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Principal:
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Interest:
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Go from application to approval in 3 easy steps

Anakazi Loans are all about empowering you with the tools and resources you need. Follow these simple steps to access the funding you need.

Explore and prepare

Identify the financial needs of your business and decide how much funding you require. Gather the necessary documents, such as your business plan, bank statements, etc.

Submit your application

Apply online through our website or visit one of our office in person. Provide accurate information about your business and attach the required documents.

Approval and funding

Once your application is submitted, we’ll review it within 24-48 hours. Upon approval, the funds will be disbursed quickly, enabling you to focus on growing your business with confidence.

Start your loan application
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Common questions about our Anakazi Loans

We know you might have questions about how the Anakazi loan works and how you can apply. Here are some of the most common queries and questions.

Who can apply for an Anakazi Loan?
What documents do I need?
How much can I borrow?
Can I use the loan for personal expenses?
What repayment terms are available?