+263242749909 | +2638644106340 enquiries@virlmicrofinance.co.zw

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