Empowering Public Servants

PSMFC Financing with SARO

SARO Agro, in collaboration with the Public Service Micro Finance Company (PSMFC), is making it easier for civil servants—including those in ZAF, ZNS, Zambia Army, and Quasi-Government institutions to access quality equipment. From farm machinery to food processing and solar solutions, public service workers can now get what they need through flexible financing at just 9% interest.

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SARO & PSMFC Partnership

The Public Service Micro Finance Company is wholly owned by the Zambian Government and is mandated to provide affordable loans and other innovative financial solutions to public service workers across the country. Through a formal Memorandum of Understanding (MOU) with SARO, this partnership enables easy access to high-quality equipment for eligible public service employees.

Wide Range of Equipment

From tractors and hammer mills to solar pumps and irrigation kits, SARO offers durable, high-quality machinery for farming, energy, and food processing needs across Zambia.

Designed for Public Service Workers

This opportunity is open to ZAF, ZNS, Zambia Army, civil servants, and employees of Quasi-Government institutions, making it exclusive and tailored for the public workforce.

Group Application Option

Apply solo or as a group of up to 4 members. Group applications also make it possible to acquire larger, more expensive equipment that may be unaffordable individually.

Low Interest Rate

Enjoy a highly subsidized fixed interest rate of just 9% per annum, helping reduce the financial burden and making your investment in machinery more sustainable.

Flexible Repayment

Repayment is spread over up to 84 months (7 years), offering manageable monthly installments that align with your income, ensuring less pressure on your finances.

Backed by an MoU with SARO

With a formal Memorandum of Understanding between PSMFC and SARO, clients benefit from secure transactions, authentic equipment, training, and trusted after-sales support.

SARO Contacts

Visit or call your nearest SARO branch today

Branch Contact Person Phone Number
SARO Choma Alice 0955915457
SARO Chipata Samson Lungu 0977491196
SARO Kabwe Clinton 0974071730
SARO Kasama William Bulaya 0977994148
SARO Kitwe Hanyawa Hamainda 0978780797
SARO Livingstone John Mwanabyando 0973394547
SARO Lusaka Head Office Sebastian 0966030317
SARO Mkushi Katoka Kahangu 0979619149
SARO Mongu Kang’ombe 0972405739
SARO Mpongwe Pelony Nampanzye 0767527603
0974055217
SARO Mumbwa Iback Lungu 0955915469
SARO Solwezi Darious Masonde 0955915475