About EFC
About Us
Pulse Financial Services Limited (PFSL) trading as Entrepreneurs Financial Centre – EFC Zambia is one of Zambia’s leading deposit taking micro-finance institutions. Licensed and supervised by the Bank of Zambia (BoZ), EFC is committed to contributing to the development of the country’s private sector by providing increased access to financial services for the underserved micro, small and medium enterprises (MSMEs) market segment.
Vision
To be the preferred financial services partner for micro and small and medium-sized entrepreneurs and enterprises.
Mission
To Partner with MSMEs and increase access to specialized financial services on a permanent basis while contributing to wealth creation, improvement of people’s living conditions and development of Zambia’s private sector.
Our Business Model
Our
Strategic
Pillars
Best
People
We recruit and retain top talent while fostering a culture of performance, growth, and accountability.
Customer
Experience
We prioritize client needs by delivering accessible, personalized, and reliable financial services.
Portfolio Growth and Quality
We drive sustainable growth through responsible lending and strong portfolio management.
Risk Management and Regulatory Compliance
We ensure institutional stability through robust risk controls and full regulatory compliance.
Operational Efficiency and Digitization
We streamline operations and leverage digital tools to improve service delivery and reduce costs.
Our Values
Purpose
Accountability
Service
Stewardship
Integrity
Ownership
Novelty
Our History Timeline
EFC enjoys a very rich and strong history of experience for successfully managing transformations. We will leverage this experience to influence business development and growth in the private sector.