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Institution

Micro Bankers Trust Head OfficeLusaka
Data approved: 2011-12-12
Data version: 1
Age of data: 100 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1996
Head of Institution
Regions active
# Branches11

Total Portfolio (nat'l)ZMK 8,200,000,000
Total Portfolio (USD)USD 1,584,541.06
Active clients with loans14,300
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsAMIZ, AFRACA, INAFI
FundersUNDP, IFAD (International Fund for Agricultural Development)

Loan Products » Summary

110 Borrowers
USD 215,406.28 Portfolio
Active Product
63 Borrowers
USD 56,369.15 Portfolio
Active Product
13,736 Borrowers
USD 1,231,216.17 Portfolio
Active Product
33 Borrowers
USD 32,993.89 Portfolio
Low Volume Product
45 Borrowers
USD 27,632.85 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Equipment Loan ZMK 2,000,000 - 50,000,000 12 - 36 20% - 40% 40% - 60% Business, Farmining business for throughout the year Women, Men, Must have a farm holding and source of water throughout the year Credit Educ, Group Mtgs, Credit Ins
Individual SME Loan ZMK 1,000,000 - 10,000,000 3 - 12 40% - 60% 60% - 80% Business, Consumer Women, Men, Have business, Salaried worker, Either run a business or be salaried Credit Educ, Group Mtgs, Business Training
Twende Loan ZMK 400,000 - 7,000,000 3 - 12 80% - 100% 40% - 60% Business Women, Men, Have business, Start a business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Savings , Education on HIV/AIDS, Gender, and Environment
Dairy Loan ZMK 500,000 - 25,000,000 6 - 24 0% - 20% 20% - 40% Business Women, Men, Have business, Be in a business or start one; belong to a dairy cooperative Credit Educ, Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Equipment Loan 25.0% annual, Decl Bal 1 Fee 1 Ins None N/A 28.1% - 28.5% 30.4% - 30.8% 81
Individual SME Loan 60.0%-72.0% annual, Decl Bal 2 Fees 1 Ins None N/A 67.6% - 70% 72.2% - 74.7% 82
Twende Loan 60.0% annual, Decl Bal 1 Fee 1 Ins None 15,000.00 upfront 6,000.00 ongoing 60.2% - 63.2% 65.3% - 82.4% 86
Dairy Loan 30.0% annual, Decl Bal 2 Fees 1 Ins None N/A 59% - 59.8% 63.5% - 64.4% 47
Institution Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,000175
AMPL00075
Arman41,500529,107,000175
Arohan43,5008,091,000275
ASA INDIA164,00015,380,000175
Asirvad113,50019,328,000175
Asmitha1,114,800217,867,000175
Bandhan4,048,600674,564,000575
Belstar123,00023,945,000254
BSFL275,20031,590,000375
Chaitanya20,7003,748,000375
Disha Microfin69,00014,332,000275
Equitas1,220,000186,415,000475
ESAF354,20043,500,000575
FFSL150,60035,719,000275
Fusion66,8009,820,000275
Grama Vidiyal738,200102,101,000175
Grameen Koota586,60083,555,0001577
Janalakshmi506,000119,077,000275
L & T Finance399,80037,199,000175
MFL331,80049,083,000175
MMFL175,00023,752,000275
Mpower13,6002,263,000275
Sahayata00075
Saija24,7004,682,000275
Samasta45,5004,809,000275
Satin405,60090,174,000275
SCCI115,60015,910,000275
Share2,195,400376,727,000175
SKS3,409,000355,029,000275
SMILE360,20056,927,000175
SNFL9,4001,779,000175
Sonata Finance158,20022,724,000377
Spandana533,400147,240,000275
Suryoday78,60014,713,000375
SVCL118,20018,886,000175
Swadhaar92,80017,166,000375
Trident68,7008,852,000175
Ujjivan913,300160,848,000575
Utkarsh168,60025,915,000375
VFS175,40019,264,000275
Asomi50,3004,743,0002108
AES India3,600286,0001108
Arth2,900611,0002108
Asomi50,3004,743,0002108
Barasat GS1,10099,508.021108
BJS6,000468,0001108
Cashpor417,00050,452,0001107
Credible10,0001,669,540.362108
DIBAKAR1,800145,0001107
GOF65,2005,388,0004107
Hope62,6004,407,0001105
Jaago2,700237,0001106
LOK4,900573,0001107
Nano25,6003,660,0002108
NBSAAVS28,1002,821,0001105
Nirantara8,200917,0002107
Parama7,100482,0001107
Pragathi26,2004,579,0006107
PWMACS36,5005,946,0001107
Saadhana90,90012,046,0002107
Sambhav1,500183,0003107
Seba Rahara6,700468,0001107
SU61,1005,498,0001107
Swayanshree7,900918,0002107
Vikas Samiti1,600168,0001107
Vistaar4,3001,157,0002105
We The People1,100244,0002107
WEMCS1,10085,0001107
Yukti1,10099,0002107
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Key Statistics
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# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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