| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.uob.rw/ |
| Year established | 1997 |
| Head of Institution | Jeffrey J. Lee |
| Regions active | Bugesera, Burera, Gakenke, Gasabo, Gatsibo, Gicumbi, Gisagara, Huye, Kamonyi, KarongiKayonza, Kicukiro, Kirehe, Muhanga, Musanze, Ngoma, Ngororero, Nyabihu, Nyagatare, NyamagabeNyamasheke, Nyanza |
| # Branches | 36 |
| Total Portfolio (nat'l) | RWF 9,342,142,670 |
| Total Portfolio (USD) | USD 14,597,097.92 |
| Active clients with loans | 41,246 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | Opportunity International, Hope International, World Relief |
| Funders | MasterCard Foundation, Gates Foundation, Credit Suisse, European Union |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.fondationardi.ma |
| Year established | 2001 |
| Head of Institution | M. CHEHHAR El Mostafa |
| Regions active | Tangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, Drâa-Tafilalt, Souss-Massa, Guelmim-Oued NounEl Aiun-Saguia al Hamra, Dakhla-Oued Addahab |
| # Branches | 205 |
| Total Portfolio (nat'l) | MAD 273,132,165 |
| Total Portfolio (USD) | USD 32,133,195.88 |
| Active clients with loans | 115,221 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | |
| Funders |
| 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 |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédit Solidaire | MAD 1,000 - 20,000 | 3 - 18 | 20% - 40% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training | |||||||
| Crédit Individuel | MAD 5,000 - 50,000 | 3 - 48 | 20% - 40% | 20% - 40% | Business | Women, Men, Have business | Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédit Solidaire | 24.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 42.2% - 51.3% | 42.4% - 52% | 53 | ||||||||
| Crédit Individuel | 21.6% annual, Flat | 1 Fee | 1 Ins | None | N/A | 35.4% - 39.9% | 35.5% - 41.9% | 56 |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédit Solidaire | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 42.2% - 51.3% | 42.4% - 52% | 53 | ||||||||
| Crédit Individuel | 21.6% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 35.4% - 39.9% | 35.5% - 41.9% | 56 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
