2. FFSL
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  2. Urwego

Institution

Future Financial Servicess Ltd. #17/1, GRA Tower, Ambalipura Main RoadOff. Sarjapur Road, Agara PostBangalore, Karnataka560 103
Data approved: 2012-06-08
Data version: 2
Age of data: -   months 
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Institution

Urwego Opportunity Bank Avenue de la PaixKigali
Data approved: 2011-09-29
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.ffslmfi.com/
Year established2007
Head of InstitutionG. Dashratha Reddy
Regions active0
# Branches110

Total Portfolio (nat'l)INR 1,783,129,397
Total Portfolio (USD)USD 39,625,097.71
Active clients with loans205,173
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsMFIN, Sa-Dhan

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.uob.rw/
Year established1997
Head of InstitutionJeffrey J. Lee
Regions active0
# Branches36

Total Portfolio (nat'l)RWF 6,225,428,134
Total Portfolio (USD)USD 10,551,573.11
Active clients with loans32,690
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsOpportunity International, Hope International, World Relief
FundersMasterCard Foundation, Gates Foundation, Credit Suisse, European Union

Loan Products » Summary

Daily Loan
2,615 Borrowers
USD 493,644 Portfolio
Active Product
Midterm Loan
20,684 Borrowers
USD 1,927,771 Portfolio
Active Product
Monthly
159,569 Borrowers
USD 32,743,928 Portfolio
Active Product
Weekly Loan
45,604 Borrowers
USD 6,881,170 Portfolio
Active Product

Loan Products » Summary

Adv CB
383 Borrowers
USD 377,773.29 Portfolio
Active Product
Community
31,280 Borrowers
USD 4,763,256.54 Portfolio
Active Product
Idv Business
529 Borrowers
USD 1,625,500.81 Portfolio
Active Product
Sol Grp
493 Borrowers
USD 395,211.96 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Daily Loan INR 6,000 - 20,000 3.3 - 4.6 0% - 20% 80% - 100% Business Women, Men, Must be the family member of weekly borrower, Age between 18 to 55 Years Credit Educ, Group Mtgs, Credit Ins
Midterm Loan INR 8,000 - 8,000 10 80% - 100% 80% - 100% Business Women, Must be a weekly Loan borrower, age between 18 to 55 years Credit Educ, Group Mtgs, Credit Ins
Monthly Loan INR 6,000 - 35,000 12 - 24 80% - 100% 0% - 20% Business Women, Age between 18 to 58 years Group Mtgs, Credit Ins, Other Training
Weekly Loan INR 6,000 - 15,000 12 80% - 100% 80% - 100% Business Women, Must be between 18-58 years Group Mtgs, Credit Ins, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Advanced Community Banking RWF 250,000 - 1,500,000 4 - 12 80% - 100% 40% - 60% Business, Other Women, Men, Have business Credit Educ, Business Training
Community Banking RWF 30,000 - 1,200,000 4 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training
Micro Individual/Business Loan RWF 500,000 - 10,000,000 4 - 60 40% - 60% 80% - 100% Business, Consumer Women, Men
New Solidarity Group RWF 250,000 - 5,000,000 4 - 24 60% - 80% 80% - 100% Business, Consumer, Other Women, Men, Have business Credit Educ, Group Mtgs, Business Training

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Daily Loan 0% 43% - 43.9% 53% - 57.1% N/A
Midterm Loan 0% 24.5% 30.2% N/A
Monthly Loan 24.5% 24.5% - 28.7% 29.9% - 31.4% 100
Weekly Loan 0% 27.3% - 28.3% 31.4% - 34.8% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Daily Loan 12.8% annual, Flat 1 Fee 0 Ins None 500.00 upfront 43% - 43.9% 53% - 57.1% N/A
Midterm Loan 12.0% annual, Flat 2 Fees 0 Ins None 500.00 upfront 24.5% 30.2% N/A
Monthly Loan 26.0% annual, Decl Bal 0 Fees 0 Ins None N/A 24.5% - 28.7% 29.9% - 31.4% 84
Weekly Loan 26.0% annual, Decl Bal 0 Fees 0 Ins None N/A 27.3% - 28.3% 31.4% - 34.8% 81

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Advanced Community Banking 24.0%-30.0% annual, Flat 1 Fee 1 Ins 18.00% loan amt 10.0% upfront 10.00% ongoing 48.6% - 53.4% 62.6% - 70.8% 35
Community Banking 30.0%-36.0% annual, Flat 0 Fees 1 Ins None 10.0% upfront 63.4% - 63.5% 83.1% - 83.5% 36
Micro Individual/Business Loan 18.0%-24.0% annual, Decl Bal 1 Fee 0 Ins 18.00% loan amt N/A 0% - 27.8% 22.2% - 28.6% 69
New Solidarity Group 18.0%-24.0% annual, Flat 1 Fee 0 Ins 18.00% loan amt 15.0% upfront 15.00% ongoing 0% - 54.8% 54.1% - 107.5% 24

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Daily Loan 0% 43% - 43.9% 53% - 57.1% N/A
Midterm Loan 0% 24.5% 30.2% N/A
Monthly Loan 24.5% 24.5% - 28.7% 29.9% - 31.4% 100
Weekly Loan 0% 27.3% - 28.3% 31.4% - 34.8% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Daily Loan 12.8% annual, Flat 1 Fee 0 Ins Ins None 500.00 upfront 43% - 43.9% 53% - 57.1% N/A
Midterm Loan 12.0% annual, Flat 2 Fees 0 Ins Ins None 500.00 upfront 24.5% 30.2% N/A
Monthly Loan 26.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 24.5% - 28.7% 29.9% - 31.4% 84
Weekly Loan 26.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 27.3% - 28.3% 31.4% - 34.8% 81

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Advanced Community Banking 24.0%-30.0% annual, Flat 1 Fee 1 Ins Ins 18.00% loan amt 10.0% upfront 10.00% ongoing 48.6% - 53.4% 62.6% - 70.8% 35
Community Banking 30.0%-36.0% annual, Flat 0 Fees 1 Ins Ins None 10.0% upfront 63.4% - 63.5% 83.1% - 83.5% 36
Micro Individual/Business Loan 18.0%-24.0% annual, Decl Bal 1 Fee 0 Ins Ins 18.00% loan amt N/A 0% - 27.8% 22.2% - 28.6% 69
New Solidarity Group 18.0%-24.0% annual, Flat 1 Fee 0 Ins Ins 18.00% loan amt 15.0% upfront 15.00% ongoing 0% - 54.8% 54.1% - 107.5% 24
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessLoan PurposeFFSLInstitutionIN-027-V02-P01IN-027-V02-P02IN-027-V02-P03IN-027-V02-P04ProductINCountry2012YearRange Number2Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 39,00029,00019,0009,9001,100Number 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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Key Statistics
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# 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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