Christian Empowerment Microfinance Zambia Limited (CEMFIN) gives out loans to individuals and groups as part of its Financial Empowerment strategy. Women and the youth stand at the center of CEMFIN’s financial empowerment programs and activities such that CEMFIN targets the proportion of women to be 50% of its total clientele, with the youth whereas 30% is targeted to be the youths. The loans are generally paid over a period of six (6) months in monthly installments.