| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1993 |
| Head of Institution | Patson Kuntambila |
| Regions active | Dedza, Dowa, Kasungu, Lilongwe, Mchinji, Nkhotakota, Ntcheu, Ntchisi, Salima, ChitipaKaronga, Likoma, Mzimba, Nkhata Bay, Rumphi, Balaka, Blantyre, Chikwawa, Chiradzulu, MachingaMangochi, Mulanje |
| # Branches | 147 |
| Total Portfolio (nat'l) | MWK 185 |
| Total Portfolio (USD) | USD 0.47 |
| Active clients with loans | 1,772 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MMFN, Micro Credit Summit |
| Funders |
| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | N/A |
| Website address | http://www.uob.rw/ |
| Year established | 1997 |
| Head of Institution | Jeffrey J. Lee |
| Regions active | 0 |
| # Branches | 36 |
| Total Portfolio (nat'l) | RWF 6,225,428,134 |
| Total Portfolio (USD) | USD 10,551,573.11 |
| Active clients with loans | 32,690 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Opportunity International, Hope International, World Relief |
| Funders | MasterCard Foundation, Gates Foundation, Credit Suisse, European Union |
| 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 |
| 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 |
| 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 |
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