CETZAM Financial Services Plc formerly CETZAM Opportunity Microfinance Limited is a deposit taking Micro Finance Institution licensed by the Bank of Zambia. It was founded in 1995 as an independent microfinance institution (MFI) with the aim of providing sustainable microfinance services to the economically disadvantaged of Zambia. It is registered as a company Plc by shares and is affiliated to Opportunity International, a global coalition of microfinance institutions.
 
 
Historically CETZAM's mission was to transform the lives of the poor by providing them with access to client-useful financial services and training resources through a financially viable national-scale microfinance institution. The mission of CETZAM has since changed to 'commercially transforming, economically active and deserving clients, who lack the resources to build capacity.