2. COAC FondVida
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  2. Urwego

Institution

COAC FondVida Flavio Alfaro Oe6 - 150 y Francisco DavilaQuito, Pichincha
Data approved: 2010-11-08
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 TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established2000
Head of InstitutionSandra Mireya Naula Cuenca
Regions active
# Branches1

Total Portfolio (nat'l)USD 4,200,342
Total Portfolio (USD)USD 4,200,342
Active clients with loans2,511
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsRFR, Contrato Social por la Vivienda
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

Consumo
1,076 Borrowers
USD 2,021,763 Portfolio
Active Product
Solidario
180 Borrowers
USD 111,491 Portfolio
Active Product
Individual
1,209 Borrowers
USD 1,949,015 Portfolio
Active Product
Vivienda
46 Borrowers
USD 118,073 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 » 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
Crédito de consumo USD 100 - 5,000 3 - 36 60% - 80% 80% - 100% Any Purpose Women, Men, Si el deudor no es propietario de una casa, el garante sí requiere tener una casa., Pueden acceder personas desde los 18 años de edad en adelante. Credit Educ, Credit Ins, Asesoría administración del dinero
Crédito Grupal Solidario USD 500 - 1,500 6 - 15 60% - 80% 80% - 100% Business Women, Men, Los grupos se conforman con personas de la misma zona de residencia, Se utiliza la garantía grupal Credit Educ, Group Mtgs, Credit Ins, Business Training, Capacitación en proyectos de vida y espíritu emprendedor
Crédito Individual para Micro USD 100 - 5,000 3 - 24 60% - 80% 80% - 100% Business, Housing, Other, Como capiltal para iniciar un negocio, Incremento de mercadería Women, Men, Si el deudor no es propietario de una casa, el garante sí requiere tener una casa., Pueden acceder personas desde los 15 años de edad en adelante Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Capacitación en formulación de planes de negocio, Capacitación en proyectos de vida y espíritu emprendedor

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
Crédito de consumo 14.0%-16.0% annual, Decl Bal 1 Fee 0 Ins None 5.00 ongoing 16.2% - 16.4% 17.3% - 19.8% 75
Crédito Grupal Solidario 14.0%-18.5% annual, Decl Bal 1 Fee 0 Ins None 5.00 ongoing 18.8% 20.8% - 21.2% 66
Crédito Individual para Micro 14.0%-18.5% annual, Decl Bal 1 Fee 0 Ins None 5.00 ongoing 18.7% - 18.8% 20.2% - 24.3% 65

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
Crédito de consumo 14.0%-16.0% annual, Decl Bal 1 Fee 0 Ins Ins None 5.00 ongoing 16.2% - 16.4% 17.3% - 19.8% 75
Crédito Grupal Solidario 14.0%-18.5% annual, Decl Bal 1 Fee 0 Ins Ins None 5.00 ongoing 18.8% 20.8% - 21.2% 66
Crédito Individual para Micro 14.0%-18.5% annual, Decl Bal 1 Fee 0 Ins Ins None 5.00 ongoing 18.7% - 18.8% 20.2% - 24.3% 65

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.CoopInstitution TypeAnyBusinessLoan PurposeCOAC FondVidaInstitutionEC-006-V01-P01EC-006-V01-P03EC-006-V01-P04ProductECCountry2010YearRange Number1Institution Data Version01,0002,0003,0004,000Loan Size (all)0%10%20%Full APR (int fee ins tax dep)> 30010020Number 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
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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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