This paper gives the history and current profile of KMBI, which stands for Kabalikat Para Sa Maunlad Na Buhay, a Philippine NGO organised in 1986. By 1997, it decided to become a formal financial institution, a rural bank, focused on delivering microfinancial services to very poor subsistence entrepreneurs using the trust banking approach - working through Christian, self-help groups of 15-35 members
The paper outlines KMBI's:
* Credit and savings methodology, including area and client identification,
* Loan eligibility and loan application process,
* Institutional development programme
* Operational and financial performance, 1992- 1997,
* Staffing patterns and human resource development,
* Monitoring and evaluation,
* Recruitment, training and management of personnel
Further outlines KMBI's future directions for capacity building and expansion to other areas of the Philippines
