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Institution

Micro Bankers Trust Head OfficeLusaka
Data approved: 2011-12-12
Data version: 1
Age of data: 98 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
KBL468,300120,082,0001648
KF233,60041,416,000447
NRSP399,90070,157,000348
ASA230,40029,637,000348
TMFB221,20085,449,000748
FMFB163,54438,481,323966
TRDP100,00013,817,000348
PRSP75,6569,907,176366
BRAC^P57,30011,869,000348
SRSO51,1007,775,000348
SSF46,0004,776,000348
FINCA82,00043,559,000948
JWS36,0006,545,000248
RCDS35,5524,856,122466
DAMEN35,1857,150,864166
FFO22,4003,335,000348
OLP21,4003,510,000348
CSC17,6003,147,000148
AMRDO13,8001,206,000548
WMBL13,8006,105,000348
Mojaz13,4002,415,000248
SDF11,5001,041,000448
POMFB8,5002,795,000448
OPD7,500918,000248
AGAHE7,300797,000248
NRDP6,1841,521,972366
GBTI6,100669,000366
WASIL4,3001,135,000248
Micro Options4,000768,000548
VDO3,900489,000366
SVDP3,900811,0001366
SRDO3,500766,000448
OSDI2,000923,000348
APMBL1,8001,401,000348
BEDF1,400209,000366
KCDO80094,000166
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Key Statistics
# Samples:
# 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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