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Institution

Micro Bankers Trust Head OfficeLusaka
Data approved: 2011-12-12
Data version: 1
Age of data: 103 months

Institution

Cantilan Bank, Inc. (A Rural Bank) Orozco St., Brgy. MagosilomCantilan, Surigao del Sur8317
Data approved: 2011-11-15
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)

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.cantilanbank.com/
Year established1980
Head of InstitutionWilliam K. Hotchkiss III (Ret.)
Regions active
# Branches14

Total Portfolio (nat'l)PhP 84,060,000
Total Portfolio (USD)USD 2,011,004.79
Active clients with loans8,113
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsMCPI, RBAP, MABS, MMC
FundersPCFC, NLDC, Landbank, CARBAF

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 » Summary

393 Borrowers
USD 152,870.81 Portfolio
Active Product
3,317 Borrowers
USD 1,307,655.50 Portfolio
Active Product
2,622 Borrowers
USD 195,693.78 Portfolio
Active Product
1,493 Borrowers
USD 331,100.48 Portfolio
Active Product
PEL
280 Borrowers
USD 23,133.97 Portfolio
Active Product

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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
HOME - Housing Microfinance for Entrepeneurs PHP 7,000 - 150,000 6 - 12 60% - 80% 60% - 80% Housing Women, Men, Have business, Specific age group Credit Ins, Business Training
KITA - Kita Insakto Tipon Asenso PHP 3,000 - 150,000 3 - 12 60% - 80% 40% - 60% Business Women, Men, Have business, Have home or land, Specific age group Credit Educ, Business Training
MAKITA - Magkahupong Kita Alang Sa Tanan PHP 3,000 - 25,000 6 - 12 60% - 80% 40% - 60% Business Women, Men, Have business, Have home or land, Specific age group Group Mtgs, Credit Ins, Business Training
PAG-UMA - Programang Agrikultura Alang Sa Mag-Uma Aron Mo Asenso PHP 3,000 - 150,000 3 - 12 20% - 40% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group Credit Ins, Business Training
PEL - Pang Eskwela Loan PHP 2,000 - 6,000 6 60% - 80% 60% - 80% Education Women, Men, Have business, Have home or land, Specific age group 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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
HOME - Housing Microfinance for Entrepeneurs 36.0% annual, Flat 1 Fee 1 Ins 0.50% loan amt 100.00 upfront 63% - 71.3% 65.1% - 75% 51
KITA - Kita Insakto Tipon Asenso 24.0%-36.0% annual, Flat 1 Fee 1 Ins None 100.00 upfront 5.00% ongoing 77% - 93.8% 80.9% - 101.7% 27
MAKITA - Magkahupong Kita Alang Sa Tanan 24.0% annual, Flat 1 Fee 1 Ins 0.50% loan amt 100.00 upfront 0.74% ongoing 68.6% 86.9% - 93.6% 27
PAG-UMA - Programang Agrikultura Alang Sa Mag-Uma Aron Mo Asenso 30.0%-36.0% annual, Flat 1 Fee 1 Ins None 100.00 upfront 5.00 ongoing 59% - 94.4% 61% - 104.9% 41
PEL - Pang Eskwela Loan 24.0% annual, Flat 1 Fee 1 Ins 30.00 fixed 100.00 upfront 3.00% ongoing 78.4% - 80.9% 105.4% - 114.1% 21

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 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 Ins None N/A 67.6% - 70% 72.2% - 74.7% 82
Twende Loan 60.0% annual, Decl Bal 1 Fee 1 Ins 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 Ins None N/A 59% - 59.8% 63.5% - 64.4% 47

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
HOME - Housing Microfinance for Entrepeneurs 36.0% annual, Flat 1 Fee 1 Ins Ins 0.50% loan amt 100.00 upfront 63% - 71.3% 65.1% - 75% 51
KITA - Kita Insakto Tipon Asenso 24.0%-36.0% annual, Flat 1 Fee 1 Ins Ins None 100.00 upfront 5.00% ongoing 77% - 93.8% 80.9% - 101.7% 27
MAKITA - Magkahupong Kita Alang Sa Tanan 24.0% annual, Flat 1 Fee 1 Ins Ins 0.50% loan amt 100.00 upfront 0.74% ongoing 68.6% 86.9% - 93.6% 27
PAG-UMA - Programang Agrikultura Alang Sa Mag-Uma Aron Mo Asenso 30.0%-36.0% annual, Flat 1 Fee 1 Ins Ins None 100.00 upfront 5.00 ongoing 59% - 94.4% 61% - 104.9% 41
PEL - Pang Eskwela Loan 24.0% annual, Flat 1 Fee 1 Ins Ins 30.00 fixed 100.00 upfront 3.00% ongoing 78.4% - 80.9% 105.4% - 114.1% 21
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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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