About us
Binisons Credit Agency Company Limited is a micro-finance company authorized to give out loans to small and medium business enterprises as well as to civil servants on government payroll system
Financing your entrepreneurial goals is our core business
Our company was established to serve the rural masses with exceptional loan services as this has been identified and is still a market gap that is mostly ignored. This is so because most of the financial service providers are based in the urban areas. None or very few have dared to reach out to the rural areas. This is because most financial service providers do not want to invest in this very risky and volatile market arena. This is so because, there is no secure real property that can be used as collateral in these areas and that most people in these areas are poor that they are regarded as a risk investment. This has created a market vacuum resulting in rural people being excluded and left out in the market economy of the country. For those rural people who are able to put up a reliable collateral, they have to travel long distances to access the financial service providers who are based in the urban areas or cities.
It is against this background that Binisons Credit Agency Limited was conceived to fill this market lacuna. That is why the company’s main offices are in the rural areas although we also maintain visibility and accessibility in the urban areas. The head office is at Sese Village T/A Mponela in Dowa. We have agents across Malawi in the rural thriving trading centers as well as in the urban areas. BCA therefore is the only company in Malawi that is found in the rural as well as urban areas. We have business concepts and loan products specifically tailored to carter for rural business and their challenges as well as risks. This is evidenced by our success in the areas where established financial institutions find difficult to excel.
VISION
MISSION
Creating a world free of poverty where everyone has the chance to realize their potential and dreams.
Why you should choose Binisons Credit Agency Limited for your next loan
The Binisons Credit Agency provide all year round credit through reliable credit line with a flexible package in which we determine the amount required by our clients against their ability to repay by checking affordability on government payroll and Collateral valuation for group loans
We provide easy and efficient access to small, convenient and adequate loans
We provide training in financial management and entrepreneurship to improve efficiency of your business ventures
We use business entrepreneurs identification system as a foundation to service and credit reference solution
You have the ability to access a loan either as an individual or as part of a solidarity group
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