2. CEPESIU
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  2. Urwego

Institution

CEPESIU Veintimilla E10-50 y Av. 12 de OctubreEdificio Quito 12 El Giron Torre W, PenthouseQuito, Pichincha
Data approved: 2010-11-22
Data version: 1
Age of data: 175 months

Institution

Urwego Opportunity Bank Plot 1230 NyarugengeAvenue de la PaixKigaliPO Box 748
Data approved: 2012-09-27
Data version: 2
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.cepesiu.org.ec/
Year established1983
Head of InstitutionCecilia Padilla
Regions active
# Branches3

Total Portfolio (nat'l)USD 939,466.31
Total Portfolio (USD)USD 939,466.31
Active clients with loans2,011
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.uob.rw/
Year established1997
Head of InstitutionJeffrey J. Lee
Regions activeBugesera, Burera, Gakenke, Gasabo, Gatsibo, Gicumbi, Gisagara, Huye, Kamonyi, KarongiKayonza, Kicukiro, Kirehe, Muhanga, Musanze, Ngoma, Ngororero, Nyabihu, Nyagatare, NyamagabeNyamasheke, Nyanza
# Branches36

Total Portfolio (nat'l)RWF 9,342,142,670
Total Portfolio (USD)USD 14,597,097.92
Active clients with loans41,246
Approximate % female clients80% - 100%
Approximate % urban clients60% - 80%
Network affiliationsOpportunity International, Hope International, World Relief
FundersMasterCard Foundation, Gates Foundation, Credit Suisse, European Union

Loan Products » Summary

Directo
166 Borrowers
USD 66,556.84 Portfolio
Active Product
Individual
176 Borrowers
USD 157,302.20 Portfolio
Active Product
Solidario
1,612 Borrowers
USD 589,823 Portfolio
Active Product
SPI
57 Borrowers
USD 125,784.24 Portfolio
Active Product

Loan Products » Summary

Adv CB
7,933 Borrowers
USD 8,128,174.48 Portfolio
Active Product
Community
34,286 Borrowers
USD 11,526,115.84 Portfolio
Active Product
Idv Business
1,184 Borrowers
USD 4,832,015.35 Portfolio
Active Product
Sol Grp
489 Borrowers
USD 756,359.38 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Programa de Crédito Directo USD 500 - 1,500 4 - 8 20% - 40% 0% - 20% Business Women, Men, Have business, Asociacion debe haber firmado convenio con Cepesiu, Producto dirigido a produccion agricola de ciclo corto Tech Asst Visits
Programa de Crédito Individual (PCI) USD 500 - 3,000 6 - 18 40% - 60% 80% - 100% Business Women, Men, Have business, Buena calificacion en la Central de Riesgos, Negocios establecidos un año Tech Asst Visits
Programa Grupo Solidario USD 200 - 1,500 4 - 18 60% - 80% 60% - 80% Business Women, Men, Have business, Buena calificacion en central de riesgos., Negocio funcionando 1 año. Tech Asst Visits
Sociedad Popular de Inversión SPI USD 300 - 10,000 4 - 24 40% - 60% 20% - 40% Business Women, Men, Estructuras financieras locales autogestionadas de credito, Minimo 4 meses de funcionamiento Tech Asst Visits, Cepesiu brinda asistencia tecnica con recursos no reembolsables

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Advanced Community Banking RWF 250,000 - 3,000,000 4 - 12 80% - 100% 40% - 60% Business, Other Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training
Community Banking RWF 30,000 - 1,500,000 4 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training
Micro Individual/Business Loan RWF 250,000 - 60,000,000 4 - 60 40% - 60% 80% - 100% Business, Consumer Women, Men Credit Educ, Group Mtgs, Credit Ins, Business Training
New Solidarity Group RWF 250,000 - 6,000,000 4 - 24 60% - 80% 80% - 100% Business, Consumer, Other Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Programa de Crédito Directo 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 28.9% - 29% 32.9% 87
Programa de Crédito Individual (PCI) 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 15.2% - 19.8% 15.2% - 25.2% 100
Programa Grupo Solidario 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 19.8% - 24.8% 25.2% - 31.1% 97
Sociedad Popular de Inversión SPI 26.0% annual, Decl Bal 0 Fees 0 Ins None N/A 19% - 24.8% 19% - 24.8% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Advanced Community Banking 30.0% annual, Flat 1 Fee 1 Ins 18.00% fees 10.0% upfront 10.00% ongoing 52.7% - 53% 70.6% - 72.9% 41
Community Banking 30.0% annual, Flat 1 Fee 1 Ins 18.00% fees 10.0% upfront 10.00% ongoing 57.4% 76.8% 39
Micro Individual/Business Loan 18.0%-24.0% annual, Decl Bal 1 Fee 1 Ins 18.00% fees N/A 21.9% - 27.6% 22.6% - 30.7% 71
New Solidarity Group 24.0% annual, Flat 1 Fee 1 Ins 18.00% fees 15.0% upfront 15.00% ongoing 43.9% - 45.1% 69.5% - 74.5% 33

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Programa de Crédito Directo 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 28.9% - 29% 32.9% 87
Programa de Crédito Individual (PCI) 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 15.2% - 19.8% 15.2% - 25.2% 100
Programa Grupo Solidario 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 19.8% - 24.8% 25.2% - 31.1% 97
Sociedad Popular de Inversión SPI 26.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 19% - 24.8% 19% - 24.8% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Advanced Community Banking 30.0% annual, Flat 1 Fee 1 Ins Ins 18.00% fees 10.0% upfront 10.00% ongoing 52.7% - 53% 70.6% - 72.9% 41
Community Banking 30.0% annual, Flat 1 Fee 1 Ins Ins 18.00% fees 10.0% upfront 10.00% ongoing 57.4% 76.8% 39
Micro Individual/Business Loan 18.0%-24.0% annual, Decl Bal 1 Fee 1 Ins Ins 18.00% fees N/A 21.9% - 27.6% 22.6% - 30.7% 71
New Solidarity Group 24.0% annual, Flat 1 Fee 1 Ins Ins 18.00% fees 15.0% upfront 15.00% ongoing 43.9% - 45.1% 69.5% - 74.5% 33
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeCEPESIUInstitutionEC-004-V01-P01EC-004-V01-P02EC-004-V01-P03EC-004-V01-P04ProductECCountry2010YearRange Number1Institution Data Version01,0002,0003,0004,0005,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 80040040Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessMultipleLoan PurposeUrwegoInstitutionRW-012-V02-P01RW-012-V02-P02RW-012-V02-P03RW-012-V02-P04ProductRWCountry2012YearRange Number2Institution Data Version01,000,0002,000,0003,000,0004,000,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 17,00012,0008,5004,200400Number of Borrowers
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Key Statistics
# Samples:
# 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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