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Z Woman

The Z Woman is a female-owned product geared at empowering women in achieving their dreams of becoming successful business owners.

Zenith Bank ZWoman


Zwoman is our proposition to closing the financial gap faced by female owned businesses and ensuring that we create more opportunities for growth in the business environment for women.


ZWoman is our loan product for female owned businesses for all sectors primarily geared towards growing our SME Sub-sector and diversifying our customer base. 

Loan Value 
10 million
12 months 

All female owned business. 

Monthly and quarterly repayment in line with customers cash flow from sale/collection into account with zenith bank.


The Zwoman community cuts across women in Business, Education, Career, Health and Technology.


  • Training
  • Coaching
  • Networking


  • Account opening form duly completed
  • One recent clear passport photograph of Guardian/Parent and child
  • Birth Certificate of Child
  • Identification of signatories (Driver’s License, International Passport,
    National Identity Card or Voter’s Card)
  • Residence permit (where applicable)
  • Public Utility Receipt dated within the last three months (PHCN bill, water rate bill, tenement rate, rent receipt, telephone bill)


  • Female owned businesses with a shareholding of 50% and above. 
  • Business that has a woman as its CEO or CFO 

To open a ZWoman Account, simply visit the nearest Zenith Bank branch.

Zenith Bank ZWoman Loan

ZWoman Loan

Our ZWoman loans are granted in two broad areas:

Working Capital

This is designed to finance the day-to-day operations of a business, ranging from payment of employees’ wages to covering accounts payable for the business and purchases of raw materials. Payment of this loan is usually on a monthly or quarterly basis from the customer’s Z-woman account for a period of 24 months.

Term Loan

This is to purchase fixed assets such as equipment, a new building, machinery or infrastructure upgrade. Payment of this loan is usually on a monthly or quarterly basis from the customer’s Z-woman account.

International Women's Day 2023

To commemorate the 2023 International Women's Day
Zenith Bank provided financial support to women under the
ZWoman program.

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