Personal Loan Application Form

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Personal Loan Application Form

Deposit Account Opening Form

Personal Details
Next Of Kin Details
Bank Details

Personal Details

Surname

First Name

Title

Gender

National ID number

Date of birth

Residential Address

Ownership of Property(Proof)

Mobile (00263)

Landline

Email

Spouse's Details

Surname

First Name

National ID number

Spouse's Employer Name

Spouse's Employer's Physical Address

Spouse's Job Title

Telephone

Email

Next Of Kin Details

Next of Kin Details

Full Name

Relationship

Address

Telephone

Email

Employer Details

Occupation

Employment Status

Employer's Name

Employer's Physical Address

Employer's Contact Phone Numbers

Date Employed

Gross Salary

Other Income

Email

Previous Employer

Occupation

Employment Status

Employer's Name

Employer's Physical Address

Employer's Contact Phone Numbers

Date Employed

Gross Monthly Salary

Email

Bank Details

Banking Details

Name of Bank

Branch

Account Number

Financial Information

Provide full information about the loan application
Loan Details

Loan Amount

Purpose

Repayment Source

Exisiting Loans/Obligations

Lender/Creditor

Amount Outstanding

Monthly Installments

Trade References

Name

Account Number

Contact Details/Address

Asset Details

Applicant

Asset Description

Serial Number

Market Value

Personal Statement of Position(please enter estimated value)

Assets(If applicant is pledging physical assets towards the loan)

Investments (ie Cash, Fixed Deposits, Shares, Savings Account)

Properties ( Houses, Land)

Motor Vehicles

Household items

Other Assets (eg Livestock,

Total Assets

Liabilities

Bank Overdraft/Loans

Mortgage Bonds

Rates

Other Loan

Other Liabilities

Total Liabilities

NET WORTH

Upload documents Required for application:

Certified Copy of Metal/Plastic ID or Valid Passport

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Current Payslip or 3 months Bank Statement

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Applicant’s Passport-size Photo

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Salary Services Bureau (SSB) Deduction (Civil Servants Only)

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Employer Authorization (Private Companies Employees only)

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Proof of Residence Options:

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Upload your signature and thumb print

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Terms and Conditions

TERMS AND CONDITIONS FOR PERSONAL SAVINGS ACCOUNT OPENING
1. Deposits
1.1 Success Microfinance Bank Limited will accept for deposits to your account all cash, transfers and other items payable to you.
2. Deposits reversed
2.1 Success Microfinance Bank Limited will debit your account with the amount of any transfer or other item deposited to which you are not entitled and may pay the amount to the owner thereof, whether your account is in credit or debit, and we will advise you of our action taken.
3. Payments
3.1. Success Microfinance Bank Limited will make payments from your account on your instructions if there are sufficient funds available.
4. Interest and charges
4.1. Success Microfinance Bank Limited will charge you interest on any overdrawn balances and we shall inform you of the applicable rate of interest charged, upon request.
4.2. Success Microfinance Bank Limited will charge you for various services provided, but details of such charges are available on request.
4.3. Success Microfinance Bank Limited may vary charges and interest rates from time to time.
5. Statements
5.1. Success Microfinance Bank Limited will provide you with regular statements of your account on request as soft copy (on emails) or printed copy.
5.2. If you fail to notify Success Microfinance Bank Limited timeously of forged or unauthorised entries on your account and this results in losses taking place Success Microfinance Bank Limited will be entitled to refuse to refund the losses to you, provided that Success Microfinance Bank Limited has not been negligent or breached its obligations.
6. Overdrafts
6.1. If your account is overdrawn without suitable arrangement, Success Microfinance Bank Limited may transfer/set off money to it from any other accounts held by you.
6.2. Success Microfinance Bank Limited may demand payment of all amounts owing by you at any time.
6.3. A letter of demand signed by a manager of Success Microfinance Bank Limited accompanied by a statement of your account containing details of an amount, including interest, owed by you will be sufficient proof thereof unless the contrary is proved.
6.4. Should your current domicilium citandi et executandi change, and you fail to notify Success Microfinance Bank Limited accordingly, Success
Microfinance Bank Limited shall regard the latest postal or residential address given by you to Success Microfinance Bank Limited as the address where notices may be given and documents in legal proceedings may be served.
6.5. If necessary, Success Microfinance Bank Limited may take legal action against you in an appropriate Court of Law.
6.6. You shall be responsible for payment of all reasonable expenses incurred by Success Microfinance Bank Limited Ltd in recovering any amounts you owe Success Microfinance Bank Limited, including legal fees on an attorney and own client basis, collection fees and tracing fees or any other fees we may incur as a result of our efforts.
7. Letter of Set off
In consideration of Success Microfinance Bank Limited giving you financial and/or facility accommodation and other facilities, you agree that in addition to any other general lien or similar right to which Success Microfinance Bank Limited as deposit takers may be entitled by law, Success Microfinance Bank Limited may at any time and without notice to you combine or consolidate all or any of your accounts with/and liability to Success Microfinance Bank Limited and set off or transfer any sum or sums standing to the credit of any one or more of such accounts in or towards satisfaction of any of your liabilities to Success Microfinance Bank Limited on any other account or in any other respect whether such liabilities be actual or contingent, primary or collateral and several or joint.
8. Closing of account
8.1. Success Microfinance Bank Limited will close your account on receipt of a request in writing signed by you to do so, but the closure will not be effective until all conditions have been met.
8.2. We reserve the right to close your account without notice and shall not be obliged to give reasons for such action.
9. Credit record
9.1. Success Microfinance Bank Limited may make enquiries about your credit record with any credit reference agency or any other relevant parties.
9.2. Success Microfinance Bank Limited may provide credit reference agencies or other relevant parties with information regarding the conduct of your account.
9.3. Success Microfinance Bank Limited may provide other banks with bank reports relating to the conduct of your account upon request.
10. Confidentiality
10.1. Success Microfinance Bank Limited will treat all your personal information as private and confidential except in the four exceptional circumstances permitted by law which are:
10.1.1. Where we are legally compelled to do so;
10.1.2. Where it is in the public interest to disclose;
10.1.3. Where our interests require disclosure;
10.1.4. Where disclosure is made at your request or with your written consent.
11. General
11.1. We may check by reference to third parties the correctness of details given in the application form you have completed for opening of the account.
11.2. Accounts may not be ceded or transferred to any other party.
11.3. You must notify Success Microfinance Bank Limited immediately if you are placed under an administration order, sequestrated or liquidated or placed under any other form of insolvency or legal disability.
11.4. You must notify Success Microfinance Bank Limited immediately of any change of address.
11.4.1 We are entitled from time to time to request for updated information and documents relating to Anti Money Laundering, Combating Financing of
Terrorism and Know Your Customer documents where necessary.
11.5 You must notify us immediately of any change in any of the details you provided when you ` opened the account
11.6 We reserve the right to amend these terms and conditions from time to time.
12. Governing Laws The relationship between Success Microfinance Bank Limited and you the Customer is governed by the laws of Zimbabwe
13. Fraud Prevention
You consent to Success Microfinance Bank Limited carrying out identity and fraud prevention checks and sharing information relating to this application with the Relevant Authorities and Law Enforcement Agencies. Should your account(s) conduct at any time in the future reasonably cause us to suspect that your account(s) is/are being used for improper purposes; you consent to us providing details of this suspicion to the aforementioned authorities and agencies

I declare that the information provided in this application form is, to the best of my knowledge and belief, accurate, true and correct. I understand that the provision of false information is fraud and that, if found to be false, may prejudice this application and, if loan has been granted on the basis of false information, criminal charges may be preferred against me. I authorize Success Microfinance Bank Limited to access any information available to assess my loan application, and also give them permission to register details of the conduct of my account with any credit clearing bureau, and I waive any claims that I may have against Success Microfinance Bank Limited in respect of such disclosure.

Cynthia T. Borerwe [Credit Manager]

Cynthia is a holder of a Master of Science Degree in Finance and Investment from the National University of Science and Technology (“NUST”), Bachelor of Commerce Banking and Finance Honours Degree from the Midlands State University (“MSU”), a Credit Management Certificate from Making Microfinance and a Leadership Effectiveness Certificate from LEAD Momentum and has more than 10 years of work experience in credit management.

Tongani G. Manyalo [Branch Manager – Harare]

Tongani is a holder of a Master of Business Administration Degree from the University of Zimbabwe (“UZ”), a Bachelor of Commerce Honors Degree from the National University of Science and Technology (“NUST”) and a Certified Project Manager. He has over 20 years of work experience in the banking sector.

Bernard Wekare Chief Executive Officer

Bernard is a holder of Master of Business Administration (“MBA”) and Bachelor of Business Studies (Honours) degrees from the University of Zimbabwe. He has had an outstanding career in banking at all corporate levels. An accomplished Investment Banker, with extensive experience in, corporate finance credit and investment advisory and portfolio management. Bernard successfully advised on many corporate finance transactions for local and international listed and private companies in various industries, participated and led the implementation of transformational programs for several local financial institutions. Founding director of Success Microfinance Bank Ltd (“SuccessBank”).

Bernard Wekare [Chief Executive Director]

Primrose Nyakuwanikwa [Non-Executive Director]

Primrose is a holder of a Master in Business Administration from the Women’s University in Africa (“WUA”), Executive Certificate in Diplomatic Events Management and Administration from the University of Zimbabwe (“UZ”), Post Graduate Diploma in Customer Relationship from the Chartered Institute of Customer Relationship Management Africa (“CIRCMA”) and an Honors in Theatre Arts from the “UZ”. Primrose has over 14 years post qualification working experience in marketing, financial services, insurance and mining sectors.

Hester Musandu [Non-Executive Director]

Hester is a holder of a Postgraduate Professional Training, International Programme for Development Evaluation Training from Carlton University in Canada, Postgraduate Certificate in Epidemiology and Field Research Methodologies from Umea University in Sweden, Masters in Business Administration from Nottingham Trent University in the United Kingdom, Bachelor of Technology Applied Biology and Biochemistry from the University of Zimbabwe (“UZ”) and a Certificate of Proficiency in Public Relations, Selling and Sales Management from London Chamber of Commerce and Industry (“LCCI”). Hester has over 36 years of post-qualification working experience in agriculture and microfinance, FMCG, Pharmaceuticals, Health and Sales sectors.

Hassan Chitute [Acting ICT Manager]

Hassan is a holder of a Bachelor of Business Studies and Computing Science Honours Degree from the University of Zimbabwe (“UZ”). Hassan has over 6 years of work experience in ICT most of which have been in the Banking sector.

Chriswell Vava [Chairman of Board]

Chriswell holds a Master of Science degree in Information Systems Management from University of Liverpool (UK) and a double Bachelor of Science (Honours) degree in Computer Engineering from University of Amsterdam (Netherlands) and University of Sunderland (UK). He has over 15 years of experience in IT Security Management, Computer Information Systems, Systems Engineering and Forensic Auditing. He has been instrumental in building IT infrastructures of various blue-chip companies and institutions including IBM, African Capacity Building Foundation (ACBF) and World Bank.

Jacqueline Njiva [Manager- International Banking]

Jacqueline is a holder of a Bachelor of Business Studies in Management from the Africa University (“AU”), Executive Certificate in International Trade and Finance from the University of Zimbabwe (“UZ”), and Diploma in Banking from the Institute of Bankers in Zimbabwe (“IOBZ”). She has over 16 years working experience in International Banking in various capacities.

Oswell Mapeni Matore [Non-Executive Director]

Oswell is a Chartered Accountant and a member of the Institute of Chartered Accountants (Zimbabwe). He has extensive experience in auditing, accounting and financial management through his many years of practice with several high profile institutions. Oswell has worked as Group Finance Director for Zimpapers and as Finance Director for Air Zimbabwe. He is a Non-Executive Director of Metbank Limited and several other companies.

Selisi Chavinda [Branch Manager- Bulawayo]

Selisi is a holder of Master of Business Administration degree (“MBA”) from the National University of Science and Technology (“NUST”), Post Graduate Diploma in Management from NUST, Management Development Program diploma from NUST, Certificate of Proficiency in Systemic Counselling from Lupane State University (“LSU”), Certificate from the Institute of Marketing Management, Certificate from the Institute of Credit Management, a Certificate on Market Research, and Certificate in Customer Relationship Management from Bulawayo Polytechnic. She has 33 years experience in Banking.

Bethel Zirebwa [Finance Manager]

Bethel holds a Bachelors in Accountancy (Honors) degree from the University of Zimbabwe (“UZ”), member of the Institute of Chartered Accountants of Zimbabwe (“ICAZ”), and licensed by the Public Accountants & Auditors Board (“PAAB”). He has over 5 years of working experience most of which have been in audit.

Martha Chaparadza [Branch Manager- Karigamombe]

Martha is a holder of a Bachelor of Accounting Science from the University of South Africa (“UNISA”) and is currently studying towards a Master of Business Administration (“MBA”) with the University of Zimbabwe (“UZ”). Martha has over 20 years of experience in retail and credit management.

Takudzwa Musemwa [Risk and Compliance Manager]

Takudzwa is a holder of a Bachelor of Commerce Honours degree in Risk Management and Insurance, studying towards a Master of Science in Risk Management with the University of Lusaka and the Chartered Institute of Management Accountancy (“CIMA”). He has over 5 years in risk and compliance in the financial sector.

Resca Sande [Branch Networks & Operations Manager]

Resca is a holder of a Certificate in Business Accounting from the Chartered Institute of Management Accountants (“CIMA”) and currently studying towards a Bachelor of Commerce Accounting Honours degree with Midlands State University (“MSU”). She has over 20 years of work experience in Banking.

Bridgette Sibanda [Human Resources Manager]

Bridgette is a holder of a Master of Science in Human Resource Management degree from the Midlands State University (“MSU”), Bachelor of Science Psychology Honours degree from MSU and a Diploma in Human Resource Management from the Institute of People Management of Zimbabwe (“IPMZ”). She has over 8 years’ experience in the human resources field in different sectors like manufacturing, FMCG and the financial sector.

Thomas Nyabonda [Internal Audit Manager]

Thomas is a holder of a Bachelor of Commerce Honours degree in Accounting from the University of Zimbabwe (“UZ”), Bachelor of Science Management Information Systems degree from Midlands State University (“MSU”), a Certified Risk Management Professional (CRM Prof), and Certified Data Analyst from the Risk Management Institute of South Africa. He has over 15 years working experience in both internal audit and external audit.

Prosper Hove [Acting Credit Manager]

Prosper is a holder of a Bachelor of Commerce Marketing Management Honours degree from Midlands State University (“MSU”). He has over 13 years of work experience in Banking.

Kudakwashe Marime [Financial Accountant]

Kudakwashe is a holder of a Bachelor of Commerce Special Honours degree in Accounting, He is currently studying towards the Chartered Institute of Management Accountancy (“CIMA”), and member of the Chartered Governance and Accounting Institute. He has over 9 years of work experience in accounting, most of which in the microfinance subsector.

Tapiwa L.C. Chisango [Non-Executive Director]

Tapiwa is a holder of a Post Graduate Diploma in Accounting Sciences from the University of South Africa (“UNISA”), Post Graduate Diploma in Applied Accounting Sciences from “UNISA”, and a holder of a Bachelor of Accounting Science Degree from “UNISA”. Tapiwa is a member of the Institute of Chartered Accountants of Zimbabwe (“ICAZ”), also a holder of a practicing license issued by the Public Accountants & Auditors Board (“PAAB”). He has over 7 years post qualification working experience in risk management, assurance and advisory in the financial services, mining, retail and manufacturing sectors.

Nigel Mutumha [Acting Treasurer]

Nigel is a holder of a Bachelor of Commerce Honours degree in Finance from the National University of Science and Technology (“NUST”), Diploma in Banking from the Institute of Bankers of Zimbabwe (“IOBZ”) and currently studying towards a Master of Business Administration (“MBA”) with the University of Zimbabwe (“UZ”). He has over 6 years of experience in the Banking sector, most of which in Treasury.

Tinashe Nyahwema [Head of Credit]

Tinashe has wide-ranging experience in the areas of credit management, SME Lending and business development. He holds a Bachelor of Business Studies Degree in Finance and Banking and an Executive Certificate in Credit Management from the University of Zimbabwe. He is currently a final year student studying towards Masters of Business Administration with the University of Zimbabwe. Before joining Success Microfinance Bank, Tinashe worked for notable Microfinance Institutions.

Ringisai Runyowa [Head of Treasury]

Ringisai is an investment professional with more than 5 years’ experience in the financial services sector covering business development, deal origination and structuring, foreign currency trading, derivatives, fixed income trading and money markets. He holds a Master of Business Administration [MBA] Degree and a Bachelor of Commerce Honours Degree in Fiscal Studies both from NUST. Currently working on IoBZ final stage, ACI Dealing Certificate (ACFMA) and the CFA program.

Tambudzai Mandisodza [Chief Finance Officer]

Tambu holds a Bachelor of Accounting Degree from the University of Zimbabwe and is a member of the Association of Chartered Accountants (ACCA). She has extensive experience in auditing, accounting, investments, corporate finance and financial management.

Artwell Mukwazhe [Head of IT]

Artwell is an Information and Technology professional with more than 8 years’ experience in the financial services sector specialising in network design and setup, IT infrastructure setup and support, Core Banking Systems support and general Bank ICT infrastructure security. He holds a Bachelor of Science Degree in Computer Science from Bindura University and a Certified Information Systems Auditor certificate. He joined Success Microbank in 2016 and has prior experience working with different financial institutions.

Shepherd Nashe [Head Retail and Banking Operations]

Shepherd is a seasoned banker with hands on expertise in Retail banking consumer banking and business banking, Banking Operations, Products Management and Microfinance banking. He has worked in many financial institutions at senior management level where he had the opportunity of starting up three Commercial banks and one Microfinance bank. Shepherd holds a Bachelor of Commerce Degree in Banking from UNISA, Chartered Institute of Secretaries Diploma (CIS), Institute of Bankers Diploma Zimbabwe (IOBZ). He is currently writing his dissertation for an MBA with Zimbabwe Open University and studying for a Master of Science Degree in Banking and Financial Economics, second semester, with NUST

Siphiwo Molai [Head of Internal Audit]

Siphiwo is an Audit & Assurance professional with eleven (11) years post qualification experience in both Public and Private Enterprises providing comprehensive high quality audit and assurance services to businesses encompassing Financial services, Pharmaceutical and Real Estate. A competent reviewer and assurance provider who holds a Master of Business Administration from the University of Gloucestershire (UK), a BBA Accounting Degree from Solusi University (Zim) and is a Certified Chartered Accountant (ACCA-UK).

Lynott Machanzi [Non-Executive Director]

Lynott is a Chartered Accountant with 4 years auditing experience and 10 years’ commercial experience at management level. Lynott holds Bachelor of Accounting Science degree, Zimbabwe Certificate Theory in Accounting and Bachelor of Accountancy Honors degree. He is also a member of the Institute of Chartered Secretaries and Administrators (ICSA).

Happymore Mapara [Non- Executive Director]

Happymore is a Fellow of the Chartered Institute of Secretaries and Administrators and a professional member of Alumni-London Business School (Executive Management Programme). He is a member of Private Sector Advisory Panel Committee (“PASP”) of the International Cotton Advisory Committee (“ICAC”) and is an Executive Director of Cosmos Capital Limited and several other companies.

Tsitsi Nyati [Non-Executive Director]

A career advertiser with over 20 years’ experience working on global and local brands such as Standard Chartered, Barclays, Reckitt Benckiser, Seedco, National Foods, Bakers Inns and Nestle. Mrs Nyati brings a wealth of experience in the development of brands and marketing strategies. Since 2015 she was at the helm of Primedia Outdoor Zimbabwe, with particular focuson growing the brand footprint and sales in country.Mrs Nyati holds a Bachelors of Technology in Management from the University of Zimbabwe. She is further a co-founder and non – Executive Director of VOST Brand Activations who have partnered with Unilever to carry out their CSR program for the renovations of public and community toilets with local governments in Zimbabwe and Zambia.

Ruth Makombe [Managing Director]

Ruth is a proficient strategist, customer centric ,dynamic , self-motivated and result oriented leader with over 35 years banking experience . Her work experience spans across global and local banking and Fintech institutions such as Standard Chartered, Trust Bank, Zimbabwe Allied Banking Group (ZABG), Premier Bank (Now Ecobank), Lafferty Retail Banking Academy – UK, Lafferty LAMEC Division – UK, BancABC Zimbabwe, BancABC Tanzania and FN Software Solutions (Ndasenda). She also served as a Non- Executive Director and Project Leader during the setting up of Zimbabwe Women’s Microfinance Bank. Currently the Vice Board Chair for the Institute of Project Management Zimbabwe(PMZ), Ruth also sits on the Board of FN Software Solutions. A banker by profession and a Trainer by passion, Ruth’s profession qualifications include a Diploma is Business Leadership (ZIM), Master in Business Administration (MBA) (Nottingham Trent University UK), Certificate in Strategic Security Planning Certificate in Strategic Risk Management (BR Institute of Security Management – Zim), Certified International Retail Banker (CIRB),Management Leadership Development Diploma (MLDP) (GIBS- University of Pretoria).

Denford Jera [Head of Risk & Compliance]

Denford holds a Masters in Financial Engineering from WorldQuant University, USA. He also holds a Bachelor of Science Degree in Mathematics and Statistics from the University of Zimbabwe and an Executive Diploma in Credit Management from National University of Science and Technology (NUST) in partnership with CCL Business School. Denford is a banker and risk management practitioner with many years’ experience at supervisory and senior management level. He has vast knowledge and experience in the field of risk management (market risk, credit risk, interest rate risk, foreign exchange risk, and operational risk), compliance, and corporate governance and bank operations acquired in the past 8 years. He has also been actively involved in the development of Basel II and IFRS9 models and implementation of associated systems. Denford previously worked at ZB Bank before joining Success Microfinance Bank.

DEPOSITS ACCOUNTS

TREASURY PRODUCTS

LOANS

DIGITAL BANKING

MONEY TRANSFER SERVICES

Deposit Account Opening Form

Personal Details

Personal Details

Surname

First Name

Title

Gender

National ID number

Date of birth

Residential Address

Ownership of Property(Proof)

Mobile (00263)

Landline

Email

Spouse's Details

Surname

First Name

National ID number

Spouse's Employer Name

Spouse's Employer's Physical Address

Spouse's Job Title

Telephone

Email

Next Of Kin Details

Next of Kin Details

Full Name

Relationship

Address

Telephone

Email

Employer Details

Occupation

Employment Status

Employer's Name

Employer's Physical Address

Employer's Contact Phone Numbers

Date Employed

Gross Salary

Other Income

Email

Previous Employer

Occupation

Employment Status

Employer's Name

Employer's Physical Address

Employer's Contact Phone Numbers

Date Employed

Gross Monthly Salary

Email

Bank Details

Banking Details

Name of Bank

Branch

Account Number

Financial Information

Loan Amount

Purpose

Repayment Source

Exisiting Loans/Obligations

Lender/Creditor

Amount Outstanding

Monthly Installments

Trade References

Name

Account Number

Contact Details/Address

Asset Details

Asset Description

Serial Number

Market Value

Personal Statement of Position(please enter estimated value)

Assets(If applicant is pledging physical assets towards the loan)

Investments (ie Cash, Fixed Deposits, Shares, Savings Account)

Properties ( Houses, Land)

Motor Vehicles