The membership of ZAMFI is made up of financial institutions which provide microfinance services. These represent the 5 classes of institutions as shown below:
| Number | Institution Type | Description of Services |
|---|---|---|
| 1 | Commercial Banks | Banks providing microfinance services through a stand alone department/business unit. |
| 2 | Microfinance Funders | Providers of wholesale loans to all financial services providers. |
| 3 | Microfinance Banks | Accept deposits and on-lend to bottom of the pyramid borrowers. |
| 4 | Credit Only Microfinance Institutions | Provides strictly credit to borrowers. |
| 5 | Savings and Credit Cooperatives | Membership-based collection of savings for onlending to members of association for income generating projects. |
The above 5 classes of financial institutions, depending on their preferred scale of services from ZAMFI may belong to 3 categories namely:
- Silver
- Gold
- Platinum
