About APTL Microcredit Ltd

APTL Microcredit Limited is a duly registered and licensed microfinance institution committed to providing accessible and affordable financial solutions to individuals across Malawi.

We aim to help in the development of citizens in Malawi by solving their financial needs through innovative and personalized services.

Our mission is to empower individuals and small businesses with the financial tools they need to thrive and contribute to Malawis economic growth.

Our vision is to build trusted partnerships with individuals, small businesses, and corporate clients across Malawi. We aim to deliver exceptional service, be recognized as the best in the country, and transform our microfinance into a deposit-taking bank within 2 years, and a conventional bank within 6 years.

Our Team

Meet the dedicated professionals who make our financial solutions possible.

Austin Kaonga

Chief Executive Officer

Mr Austin holds an MBA (Finance) from London school of Business and Finance and a Bachelor of Accountancy from the University of Malawi. He also holds an ACCA certificate. Additionally, Austin is currently studying for a Chartered Tax Advisor Qualification.

Victor Luhanga

Chief Operation Officer

As Chief Operation Officer at APTL Microcredit Limited, Victor Luhanga plays a key role in shaping the company's operations and growth, contributing to its mission of providing financial services to underserved communities in Malawi.

Sheillah Mwangala

Loans Operations Officer

As a loan operation at APTL microcredit limited, Sheillah Mwangala oversees loan application processing, disbursement and repayment management, she also ensures efficient and accurate loan operation, build strong relationships with clients and provide personalized support to help them achieve their financial goals.