Kabalikat Para sa Maunlad na Buhay

What Kabalikat Para sa Maunlad na Buhay does

Kabalikat Para sa Maunlad na Buhay, Inc. (KMBI) is a non-stock, non-profit microfinance NGO incorporated in the Philippines in 1986, headquartered in Valenzuela City, Metro Manila. The organization provides group loans, individual loans, agricultural loans, micro-insurance (life, personal accident covering up to four dependents), and capital build-up services to poor Filipino women microentrepreneurs. KMBI also delivers non-financial services including enterprise development training, values formation programs (Pamilyang OK, Pasok na sa Kaharian), wellness caravans, scholarship programs, and disaster response.

KMBI operates through 49 branches and multiple satellite units across Luzon, Visayas, and Mindanao, employing 800+ staff in roles spanning Branch Management, Area Management, Program Officers, and Deputy Executive Directors across Credit Operations, Management Services, and Transformational Development groups. Its core technology is DUNAMIS, an in-house information management system for client data, collections, and disbursements. The signature "trustbank" delivery model uses weekly center meetings (ENTREP Centers) where groups of 4-10 clients gather for loan disbursement, repayment collection, and integrated values formation. Micro-insurance products are distributed through partnerships with First Life Financial Co., PAIS, and OONA Insurance, while the Pure-It water purifier loan is co-distributed with Unilever Philippines.

Revenue is generated primarily through interest on microcredit portfolios (Group Loans, Individual Loans, Agricultural Loans, Pure-It Loans), supplemented by micro-insurance premiums and fees from partner insurers. KMBI has been Non-VAT registered under Republic Act 10693 (Microfinance NGO Act) effective January 2016, exempting loan interest from 12% VAT. The organization is a member of the APPEND network, affiliated with KDFI (KMBI Development Foundation, Inc.), and maintains faith-based Christ-centered values formation as a core differentiator within its microfinance delivery model.

Name

Kabalikat Para sa Maunlad na Buhay

Legal name

Kabalikat para sa Maunlad na Buhay, Inc.

Website

https://kmbi.org.ph

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

KMBI is a Philippine microfinance NGO founded in 1986 that provides group loans, individual loans, agricultural loans, micro-insurance, and values formation programs to poor Filipino women microentrepreneurs through 49 branches and weekly center meetings nationwide.

Ownership category

akta.pro rank

Product category

Microfinance Services

NAICS

Individual and Family Services (6241)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industry

Agricultural & Rural Microfinance (FSAKAGAG)

Keywords

• Microfinance services
• Microcredit lending
• Group lending programs
• Microinsurance products
• Enterprise development

Headquarters

HQ city

Valenzuela

HQ country

Philippines

HQ region

Asia

Offices11 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Microcredit Interest and Fees: KMBI provides microloans (Group Loans, Individual Loans, Agricultural Loans, Pure-It Loans) to poor Filipino women microentrepreneurs. Revenue is generated from interest on microcredit portfolios. KMBI became Non-VAT registered under RA 10693 (Microfinance NGO Act) effective January 2016, removing 12% VAT from interest income on loans.
2. Micro-Insurance Premiums and Fees: KMBI offers micro-insurance products (life insurance, personal accident insurance, emergency care coverage) through partnerships with First Life Financial Co., Pinoy Ako Insurance Services (PAIS), Standard Insurance, and OONA Insurance. Insurance products are bundled with loan products. Personal Accident Insurance remains free for program members covering up to four dependents.
3. Non-Financial Services (Social Enterprise Development): KMBI generates revenue indirectly through enterprise development services that increase loan portfolio quality and client retention. Programs include entrepreneurial training (livelihood, business skills), wellness caravans, scholarship programs, and disaster response. These non-financial services support the core lending business and are supported by partnerships with KDFI and corporate sponsors.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels10 records

Core offering

KMBI is a non-stock, non-profit microfinance institution that provides group and individual microcredit loans, micro-insurance, capital build-up savings, and integrated values formation programs to poor Filipino women microentrepreneurs. It complements its financial services with non-financial offerings such as enterprise development training, wellness programs, scholarships, and disaster preparedness initiatives. Service delivery is conducted through a nationwide network of branches and satellite units that host weekly center meetings combining financial transactions with character and values formation sessions.

Product overview

KMBI operates as a microfinance NGO offering a unified portfolio of financial and non-financial services to poor Filipino women microentrepreneurs. Financial services include Group Loan Program, Individual Loan, Agri Loan Program, Pure-It Loan, Micro-Insurance (life and personal accident), and Capital Build-Up. Non-financial services encompass Enterprise Development & Client Education (including PM2PM Mentoring), Values Formation programs (Pamilyang OK, PNSK, Mass Wedding), Wellness Program, Adopt-a-Daycare, Scholarship Program, and Disaster Preparedness. The K asenso brand represents the organization's progressive life partnership mission. Services are delivered through a network of branches with center meetings integrating spiritual and values formation.

Differentiator

Problem solved

Functional benefit

Products and services

• Group Loan Program

Quantifiable outcome

• Over 10,300 Program Members empowered through Center Leaders' Conference nationwide (2019)
• +4 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

23 partnerships are on record, tiered core, supporting and minor.

• Pinoy Ako Insurance Services, Inc. (PAIS)coreStrategic or Co-development Partner · 14 July 2025PAIS signed a MOA with KMBI on July 14, 2025 in Quezon City to provide insurance programs for KMBI Program Members. PAIS President Mr. Caleb Jimenez represented PAIS at the signing. Personal Accident Insurance is provided FREE to KMBI members covering up to 4 dependents.
• OONA InsurancecoreStrategic or Co-development Partner · 14 July 2025OONA Insurance signed a MOA with KMBI on July 14, 2025 in Quezon City to provide insurance coverage for KMBI Program Members and their families. OONA President and CEO Mr. Ninoy F. Rollan attended the signing. The partnership ensures continued and robust insurance protection for KMBI clients.
• Alalay Sa Kaunlaran, Inc. (ASKI)supportingStrategic or Co-development Partner · 10 April 2025KMBI and KDFI conducted a two-day learning exchange visit to ASKI in Cabanatuan City on April 10-11, 2025. The exchange covered ASKI's development work, organizational structure, ASKI Foundation formation, Community Organizing for Empowerment Program (COEP), staff development practices, and ASKI-SKI institute strategies.
• Shopee PhilippinessupportingGTM or Marketing Partner · 23 September 2021KMBI partnered with Shopee Philippines for a 'BRING YOUR PRODUCTS ONLINE' webinar to help Program Members transition to online selling under the new normal. First leg was conducted September 23, 2021 for Luzon and Visayas (50 participants); second leg October 28, 2021 for Mindanao (32 participants).
• BagoSpheresupportingImplementation/ SI/ Consulting Partner · 7 November 2019BagoSphere conducted Leadership and Coaching Training for KMBI Operations Leaders. BagoSphere also facilitated the Effective Business Correspondence Workshop for Branch Managers at the 2019 BM Conference.
• Department of Trade and Industry (DTI) PhilippinessupportingStrategic or Co-development Partner · 24 October 2019KMBI partnered with DTI to provide Skills Training on Meat Processing and Seminar on Product Costing, Pricing, Packaging and Labelling for 64 Program Members from Santiago Branch on October 24, 2019.
• Technical Education and Skills Development Authority (TESDA)supportingStrategic or Co-development Partner · 24 October 2019KMBI partnered with TESDA alongside DTI to provide skills training for Program Members on meat processing and business skills (product costing, packaging, labelling) at Brgy. Villa Cruz Multi-purpose Hall, San Mateo, Isabela.
• Habitat for Humanity (7th Asia-Pacific Housing Forum)minorStrategic or Co-development Partner · 16 September 2019KMBI joined the 7th Asia-Pacific Housing Forum organized by Habitat for Humanity in Bangkok, Thailand in September 2019. The forum focused on low-cost housing as a driver of inclusion and resilience.
• Philippine Red Cross (Valenzuela Chapter)minorImplementation/ SI/ Consulting Partner · 19 July 2019Philippine Red Cross Valenzuela Chapter partnered with KMBI for the annual K-Fit Program bloodletting activity on July 19, 2019.
• Asian Theological SeminaryminorStrategic or Co-development Partner · 27 June 2019Asian Theological Seminary partnered with KMBI to conduct a lecture on 'Integration of Faith, Scholarship and Life' in June 2019. KMBI Chairman Mr. David D. Gutierrez and General Counsel Atty. Romel Bagares participated. The lecture was a promotional activity for a new elective course on Christianity, Politics, and Society.
• Bayan AcademysupportingStrategic or Co-development Partner · 24 March 2019Bayan Academy, in partnership with Citi Foundation, provides the Grassroots Entrepreneurship and Management (GEM) Program for KMBI clients. KMBI sponsors selected growth-oriented clients for 9-day entrepreneurship training covering basic marketing, finance, people management, and operations management.
• Microfinance Council of the Philippines, Inc. (MCPI)coreStrategic or Co-development Partner · 1 January 2019MCPI is the industry association for microfinance institutions in the Philippines. KMBI actively participates in MCPI annual conferences, learning exchange programs, and industry advocacy. MCPI facilitates international exposure visits by Nepalese and Indian microfinance delegates to KMBI.
• Philippine Society for Training and Development (PSTD)minorImplementation/ SI/ Consulting Partner · 1 January 2019PSTD trainer Ms. April Salonga facilitated the Effective Business Correspondence Workshop for KMBI Branch Managers at the 2019 BM Conference.
• Haggai Institute PhilippinessupportingStrategic or Co-development Partner · 1 January 2019Haggai Institute Philippines partnered with KMBI and APPEND to mount the National Leadership Seminar (June 24-28, 2019) resulting in 29 new Haggai graduates. The seminar establishes evangelical foundations and equips servant leaders for evangelizing in their communities.
• Chinkee Tan (Motivational Speaker)minorGTM or Marketing Partner · 29 August 2018Motivational speaker Chinkee Tan partnered with APPEND and KMBI to conduct the Iponaryo seminar at Robinsons Galleria in August 2018, educating over 500 participants on money management.
• APRACA CENTRAB (Asia-Pacific Rural and Agricultural Credit Association Center for Training and Research in Agricultural Banking)supportingStrategic or Co-development Partner · 1 January 2018APRACA CENTRAB selected KMBI as a model institution for microfinance practitioners from India and Nepal to learn about microfinance operations, services, processes, and practices. Delegates specifically focused on KMBI's Agricultural Microfinance Program.
• First Life Financial Co., Inc.coreStrategic or Co-development Partner · 16 June 2015First Life Financial Co. has been a long-standing partner with KMBI for micro-insurance products. MOA renewal was signed on June 16, 2015. General enhancements to the micro-insurance product were implemented starting July 2015, including medical expense reimbursement for emergency care.
• APPEND (Alliance of Philippine Partners in Enterprise Development, Inc.)coreStrategic or Co-development PartnerAPPEND is the network of microfinance organizations of which KMBI is a member. KMBI actively participates in APPEND Leadership Conferences, APPEND Party-List advocacy, and joint programs. APPEND provides the KILOS scholarship program and coordinates the APPEND network of 12+ microfinance organizations.
• KMBI Development Foundation, Inc. (KDFI)coreStrategic or Co-development PartnerKDFI is the development arm of KMBI, focusing on non-financial services including scholarship programs, enterprise development, and social protection initiatives. KDFI partners with KMBI on outreach activities, wellness caravans, Adopt-a-Daycare programs, and capacity-building for program members.
• Unilever Philippines (PureIt)supportingGTM or Marketing PartnerUnilever PureIt partnered with KMBI for the Pure-It Loan product (water purifier micro-loan) and Adopt-a-Daycare Program. PureIt donated water purifying devices to daycare centers under KMBI's social programs.
• Philippine Bible SocietysupportingStrategic or Co-development PartnerPhilippine Bible Society partners with KMBI for spiritual development programs and wellness caravans. They participated in CLC events and provide biblical study materials for KMBI's values formation programs.
• Philippine Cancer SocietysupportingStrategic or Co-development PartnerPhilippine Cancer Society partners with KMBI for wellness caravans, providing free breast and cervical cancer screenings for Program Members and their families.
• For His Glory Multipurpose CooperativesupportingStrategic or Co-development PartnerFor His Glory Multipurpose Cooperative is a related entity that co-sponsors KMBI events including APPEND Leadership Conference, wellness caravans, outreach activities, and staff retreats.

Scale indicators10 records

Recent moves13 records

Expansion highlights6 records

Others

• Microfinance Council of the Philippines, Inc. (MCPI): MCPI is the industry association for Philippine microfinance institutions. KMBI actively participates in MCPI conferences and learning exchanges, making it an industry-coordination peer rather than a competitor, but central to KMBI's industry positioning.
• APPEND (Alliance of Philippine Partners in Enterprise Development, Inc.): APPEND is the network association of Philippine microfinance NGOs, of which KMBI is a member. It coordinates shared programs such as the APPEND Leadership Conference and party-list advocacy, making it an ecosystem peer rather than a direct competitor.

Direct peers

• Taytay sa Kauswagan, Inc. (TSKI): TSKI is a Philippine microfinance NGO with nationwide branches providing microcredit and non-financial services to poor communities. KMBI documents joint CLC events with TSKI, indicating directly comparable target segments and delivery models.
• Negros Women for Tomorrow Foundation (NWTF): NWTF is a Philippine microfinance NGO providing credit, savings, and non-financial services to poor women microentrepreneurs, particularly in the Visayas. It is a close peer to KMBI's regional operations and target demographic, though with a more concentrated geographic focus.
• Alalay Sa Kaunlaran, Inc. (ASKI): ASKI is a Philippine microfinance NGO with a comparable group-based microcredit model targeting poor entrepreneurs, including a development foundation arm. KMBI explicitly conducted a learning exchange with ASKI in April 2025, signaling close mission and operational alignment.
• UPLIFT Philippines: UPLIFT Philippines is a microfinance NGO serving poor women microentrepreneurs with credit and capacity-building services. It is explicitly named alongside KMBI and TSKI as partner MFIs in the 2019 Center Leaders' Conference, evidencing direct mission alignment.
• Ahon sa Hirap, Inc. (ASHI): ASHI is a long-established Philippine microfinance NGO serving poor households with credit, savings, and enterprise development services. A KMBI Board member (Mila Bunker) is the former ASHI President, evidencing direct mission and operational comparability.
• Community Economic Ventures, Inc. (CEVI): CEVI is a Philippine microfinance institution with a branch network serving microentrepreneurs through credit, savings, and enterprise development. Its dual financial-plus-development model and Visayas/Mindanao presence make it highly comparable to KMBI's operating footprint.

Broad incumbents

• CARD MRI (Center for Agriculture and Rural Development, Inc.): CARD MRI is the largest microfinance institution in the Philippines, serving millions of poor women clients through group lending and a cooperative structure. It is a direct mission-comparable peer to KMBI in terms of women-focused microcredit, but operates at significantly greater scale and geographic breadth.
• ASA Philippines Foundation, Inc. ASA Philippines is a fast-scaling microfinance NGO with hundreds of branches across the Philippines, focused on group lending to poor women. It competes directly with KMBI in many of the same municipalities and uses a similar weekly-center methodology, but at substantially larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/kmbi_org
• Facebookfacebook.com/pages/Kabalikat-Para-sa-Maunlad-na-Buhay-Inc-KMBI/112721839951

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Kabalikat Para sa Maunlad na Buhay