About Us

Who We Are



Zambuko Trust (Pvt) Ltd (Zambuko Trust) a Faith-based developmental Microfinance Institution one of Zimbabwe’s pioneer Sector Institutions.

Zambuko Trust was founded in 1990 by a group of Christian business persons in response to economic challenges facing the poor. we operate from 6 branches in Zimbabwe, and provides products and services to its clientele which include; small business loans, green jobs and horticulture funding, Business management training and advisory services, loan insurance, Training and development of voluntary savings groups.

We target the economically active poor and marginalised segment of the population, using the group and lending methodologies.

We seek to transform households through the provision of services that leave lasting solutions to the basic needs of families. Lives Transformation is our business; Microfinance is our tool


Our Vision

Zambuko Trust’s vision is:

To be the leading transformation agent, creating wealth and empowering low income communities nationwide

Our Motivation

The love of Christ compels us to give ourselves wholly to use our God-given resources and abilities to make a lasting impact among the marginalised with a sense of equity and justice.

This unique attribute informs our business strategy, and guides the execution of our service delivery to specifically target the economically active poor in our society, serving all regardless of race, faith, ethnicity and gender.


Our Values

Commitment: We are intensely focused on serving our clients and helping them achieve their business objectives.

Respect: Our respect for one another compels us to value fully and affirm the dignity and uniqueness of each stakeholder.

Integrity: We commit to integrating actively what we believe, present, and say with what we do. We will do the right things for the right reasons, whether or not anyone will know.

Stewardship: Our deep sense of duty to our customers, staff, communities, partners and the environment drives every decision we make and guides every action we take.

Excellence: We will put forth our personal and professional best, providing the highest quality of service, while committing ourselves to continuous improvement.

History & Milestones

Zambuko Trust started in 1990 with seed capital from Opportunity International Australia. Opportunity International is a global Ecumenical Christian leading proponent of Microfinance and promoter of best practices globally.

Mr David Bussau engaged Mr Phineas Dube with the proposition to start a Microfinance Institution in Zimbabwe as a response to the changing country Macro-economic Environment.

Mr Bussau’s views on transformation are that; “By enabling entrepreneurs, you create more jobs. If you want to transform communities, you have to economically empower them. There’s just no other way. You can be there for years giving out free food, housing and education, but if people are not economically empowered, they don’t take responsibility for themselves.”

After formation Zambuko Trust continued to grow, thanks to continued support from Developmental Partners, that Included Opportunity International, USAID, DFID, AusAid, HIVOS, and many more.

At its pick in 2003 Zambuko Trust had a network of 27 branches, service more than 16,000 clients before the hyperinflation crisis that decimated the sector. Zambuko Trust managed to revive operations in 2009 after the country switched to multi-currency to arrest hyperinflation and economic meltdown.


Executive Management


Lorraine Ndlovu

Managing Director


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Nevison Ushe

Finance and Admin Manager


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