Izwe Loans is a specialist finance company targeting the formally employed market with an unsecured term-loan offering. The company has grown into a dynamic, rapidly developing pan-African micro-finance organisation with operations in South Africa, Zambia, Ghana and Kenya. Izwe Loans was established in South Africa in 2004 opening its first branch in Pretoria, Gauteng. Since then, there has been a steady and managed progression of branch openings. Izwe Loans is now represented by 18 branches nationwide. CPL program.