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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
KBL468,300120,082,0001650
KF233,60041,416,000449
NRSP399,90070,157,000350
ASA230,40029,637,000350
TMFB221,20085,449,000750
FMFB163,54438,481,323968
TRDP100,00013,817,000350
PRSP75,6569,907,176368
BRAC^P57,30011,869,000350
SRSO51,1007,775,000350
SSF46,0004,776,000350
FINCA82,00043,559,000950
JWS36,0006,545,000250
RCDS35,5524,856,122468
DAMEN35,1857,150,864168
FFO22,4003,335,000350
OLP21,4003,510,000350
CSC17,6003,147,000150
AMRDO13,8001,206,000550
WMBL13,8006,105,000350
Mojaz13,4002,415,000250
SDF11,5001,041,000450
POMFB8,5002,795,000450
OPD7,500918,000250
AGAHE7,300797,000250
NRDP6,1841,521,972368
GBTI6,100669,000368
WASIL4,3001,135,000250
Micro Options4,000768,000550
VDO3,900489,000368
SVDP3,900811,0001368
SRDO3,500766,000450
OSDI2,000923,000350
APMBL1,8001,401,000350
BEDF1,400209,000368
KCDO80094,000168
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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