The ZiM 

The purpose of Zero-interest Microfinance (ZiM) is to identify social enterprises (SEs) that aspire to integrate a microfinance component within their existing operations. This partnership will increase the effectiveness of the SEs by providing direct and reliable loans at zero interest to its clients. By forming this alliance, ZiM promotes the ideas of global citizenship with the hope of inspiring the next generation of entrepreneurs to value prosperity, respect, and sustainability. 


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Our beneficiaries are any client of a social enterprise (SE) who requires a loan for business startup, education, investment, or community empowerment. The relationship of the SE with its clients is of utmost importance in evaluating and selecting potential borrowers. The borrower will be required to go through a loan assessment process, determined by the SE and ZiM, that should include household cash flow, repayment capacity, a business plan, character references, and any other factor that would influence the decision.

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