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Institution

Micro Bankers Trust Head OfficeLusaka
Data approved: 2011-12-12
Data version: 1
Age of data: 123 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
Adhikar35,3002,674,000199
AMPL00099
Arman41,500529,107,000199
Arohan43,5008,091,000299
ASA INDIA164,00015,380,000199
Asirvad113,50019,328,000199
Asmitha1,114,800217,867,000199
Bandhan4,048,600674,564,000599
Belstar123,00023,945,000278
BSFL275,20031,590,000399
Chaitanya20,7003,748,000399
Disha Microfin69,00014,332,000299
Equitas1,220,000186,415,000499
ESAF354,20043,500,000599
FFSL150,60035,719,000299
Fusion66,8009,820,000299
Grama Vidiyal738,200102,101,000199
Grameen Koota586,60083,555,00015101
Janalakshmi506,000119,077,000299
L & T Finance399,80037,199,000199
MFL331,80049,083,000199
MMFL175,00023,752,000299
Mpower13,6002,263,000299
Sahayata00099
Saija24,7004,682,000299
Samasta45,5004,809,000299
Satin405,60090,174,000299
SCCI115,60015,910,000299
Share2,195,400376,727,000199
SKS3,409,000355,029,000299
SMILE360,20056,927,000199
SNFL9,4001,779,000199
Sonata Finance158,20022,724,0003101
Spandana533,400147,240,000299
Suryoday78,60014,713,000399
SVCL118,20018,886,000199
Swadhaar92,80017,166,000399
Trident68,7008,852,000199
Ujjivan913,300160,848,000599
Utkarsh168,60025,915,000399
VFS175,40019,264,000299
Asomi50,3004,743,0002132
AES India3,600286,0001132
Arth2,900611,0002132
Asomi50,3004,743,0002132
Barasat GS1,10099,508.021132
BJS6,000468,0001132
Cashpor417,00050,452,0001131
Credible10,0001,669,540.362132
DIBAKAR1,800145,0001131
GOF65,2005,388,0004131
Hope62,6004,407,0001128
Jaago2,700237,0001130
LOK4,900573,0001131
Nano25,6003,660,0002132
NBSAAVS28,1002,821,0001128
Nirantara8,200917,0002131
Parama7,100482,0001131
Pragathi26,2004,579,0006131
PWMACS36,5005,946,0001131
Saadhana90,90012,046,0002131
Sambhav1,500183,0003131
Seba Rahara6,700468,0001131
SU61,1005,498,0001131
Swayanshree7,900918,0002131
Vikas Samiti1,600168,0001131
Vistaar4,3001,157,0002128
We The People1,100244,0002131
WEMCS1,10085,0001131
Yukti1,10099,0002131
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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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