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About us

Our story

Over the years VIRL has developed five loan products that are delivered through the Community Banking Methodology for micro enterprises and the Individual Lending Methodology to SMEs.

VIRL Financial Services was established in February 2010 by two women who wanted to make an impact in financial inclusion. VIRL financial inclusion mandate has focused on rural financing, with interest in reaching out to excluded and vulnerable women and youth to businesses which create employment and curb migration. VIRL operates in ZImbabwe through a network of branches and satellites. The business started with a low capital base but with a big life changing idea. In order to grow the business , VIRL has worked with developmental partners working in ZImbabwe rural communities. VIRL collaborated through the introduction of micro credit in their programming.




To be a partner in stimulating sustainable economic growth and employment creation

To provide reliable and appropriate financial solutions in Zimbabwe

Long Lasting Relationships


As VIRL celebrates Women, we celebrate Nobukhosi Ndlovu who is an Entrepreneur and  a beneficiary of VIRL loans. She, her out-growers, as well as staff members combined, have accessed loans through the following products- Asset Finance, Working Capital, Value Chain Financing  and Life Enhancement Loans. VIRL CHANGING LIVES ONE LOAN AT A TIME.

Nobukhosi Ndlovu

VIRL Client, Nutrie Foods

Jasper Manhiri is a farmer who resides at Mwoyoweshumba area. He is a retired headmaster and he left his job in 2008. After he left his job he decided to focus on doing different income generating activities which include piggery, operating a general dealer shop and butchery. As a result, he came to us for assistance and applied for a loan to boast his projects. His first loan was a loan amount of $52,137 which he used to buy 3 cows, stock feeds and medicines. His second loan was of amount of $38,700 and the third loan was $78,205 which he used to build a tank to supplement his water system.

Mr Manhiri indicated that he managed to buy a grinding mill from the proceeds from his piggery project and currently he is building the structure for the grinding mill.  Mr Manhiri was very happy with the services that are being offered by VIRL to his businesses and the community. He is happy with VIRL products and flexible repayments.

Jasper Manhiri

VIRL Client, Farmer

In February of 2020, VIRL Financial Services celebrates the 10th Anniversary of Changing Lives and continues to soldier to work towards bettering the lives of both their urban and rural clients, one loan at a time.

Lynn Gwenzi

VIRL Team, VIRL Financial Services