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Institution

Micro Bankers Trust Head OfficeLusaka
Data approved: 2011-12-12
Data version: 1
Age of data: 120 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
Adhikar35,3002,674,000196
AMPL00096
Arman41,500529,107,000196
Arohan43,5008,091,000296
ASA INDIA164,00015,380,000196
Asirvad113,50019,328,000196
Asmitha1,114,800217,867,000196
Bandhan4,048,600674,564,000596
Belstar123,00023,945,000275
BSFL275,20031,590,000396
Chaitanya20,7003,748,000396
Disha Microfin69,00014,332,000296
Equitas1,220,000186,415,000496
ESAF354,20043,500,000596
FFSL150,60035,719,000296
Fusion66,8009,820,000296
Grama Vidiyal738,200102,101,000196
Grameen Koota586,60083,555,0001598
Janalakshmi506,000119,077,000296
L & T Finance399,80037,199,000196
MFL331,80049,083,000196
MMFL175,00023,752,000296
Mpower13,6002,263,000296
Sahayata00096
Saija24,7004,682,000296
Samasta45,5004,809,000296
Satin405,60090,174,000296
SCCI115,60015,910,000296
Share2,195,400376,727,000196
SKS3,409,000355,029,000296
SMILE360,20056,927,000196
SNFL9,4001,779,000196
Sonata Finance158,20022,724,000398
Spandana533,400147,240,000296
Suryoday78,60014,713,000396
SVCL118,20018,886,000196
Swadhaar92,80017,166,000396
Trident68,7008,852,000196
Ujjivan913,300160,848,000596
Utkarsh168,60025,915,000396
VFS175,40019,264,000296
Asomi50,3004,743,0002129
AES India3,600286,0001129
Arth2,900611,0002129
Asomi50,3004,743,0002129
Barasat GS1,10099,508.021129
BJS6,000468,0001129
Cashpor417,00050,452,0001128
Credible10,0001,669,540.362129
DIBAKAR1,800145,0001128
GOF65,2005,388,0004128
Hope62,6004,407,0001126
Jaago2,700237,0001127
LOK4,900573,0001128
Nano25,6003,660,0002129
NBSAAVS28,1002,821,0001126
Nirantara8,200917,0002128
Parama7,100482,0001128
Pragathi26,2004,579,0006128
PWMACS36,5005,946,0001128
Saadhana90,90012,046,0002128
Sambhav1,500183,0003128
Seba Rahara6,700468,0001128
SU61,1005,498,0001128
Swayanshree7,900918,0002128
Vikas Samiti1,600168,0001128
Vistaar4,3001,157,0002126
We The People1,100244,0002128
WEMCS1,10085,0001128
Yukti1,10099,0002128
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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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