Pulse Financial Services Limited (PFSL) is a deposit taking Microfinance Institution licensed and supervised by Bank of Zambia with a share capital of over ZMK 13 billion.
 
 
PFSL's Background
Pulse Financial Services Limited (PFSL) was formerly known as Pulse Holdings Limited. It started as a CARE Zambia project in 1996 and later transformed into Pulse Financial Services Limited.
 
In 2008, PFSL began to change its operations to set new standards that would ensure that its mission and vision of building a viable and reliable Microfinance institution was attained. Following the approval of the Deposit Taking License from Bank of Zambia in 2009, PFSL was officially launched by the Minister of Finance and National Planning on July 22nd 2009 at the PFSL Head Quarters.
 
With the transformation of PULSE into PFSL from a social economic to a privately owned microfinance institution, the organization is in a key strategic position of contribution towards the growth of the financial sector through enhancing inclusiveness of minority groups and equity in the way that financing is made available in Zambia.
 
The architect of the new vision for PFSL is Développement International Desjardins (DID), a subsidiary of the Desjardins group and the sixth largest bank in Canada. DID joined Care Enterprise Partners (CEP), local investors; inclusive of a few employees, in the formation of PFSL in 2008.
 
PFSL's Vision
Our vision is to become the preferred Licensed Deposit Taking Microfinance solution for entrepreneurs in Zambia.
 
PFSL's Mission
To increase peri-urban and urban MSMEs access to specialized financial services on a permanent basis while contributing to wealth creation, improvement of living conditions and development of the Zambian private sector.