| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2001 |
| Head of Institution | Byaruhanga Francis |
| Regions active | Western |
| # Branches | 5 |
| Total Portfolio (nat'l) | UGX 1,436,372,327 |
| Total Portfolio (USD) | USD 574,548.93 |
| Active clients with loans | 983 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | AMFIU, Uganda Cooperative Savings and Credit Society, Uganda Cooperative Alliance, The Microfinance Support Centre |
| Funders |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.uob.rw/ |
| Year established | 1997 |
| Head of Institution | Tineyi Emmanuel Mawocha |
| Regions active | Bugesera, Burera, Gakenke, Gasabo, Gatsibo, Gicumbi, Gisagara, Huye, Kamonyi, KarongiKayonza, Kicukiro, Kirehe, Muhanga, Musanze, Ngoma, Ngororero, Nyabihu, Nyagatare, NyamagabeNyamasheke, Nyanza, Nyarugenge, Nyaruguru, Rubavu, Ruhango, Rulindo, Rusizi, Rutsiro, Rwamagana |
| # Branches | 36 |
| Total Portfolio (nat'l) | RWF 9,442,026,780 |
| Total Portfolio (USD) | USD 14,753,166.84 |
| Active clients with loans | 38,207 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 60% - 80% |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | UGX 500,000 - 30,000,000 | 6 - 12 | 20% - 40% | 0% - 20% | Business, Improvement on family's welfare, social and economic status. | Women, Men, Have home or land, Small group of about 5 members | Credit Educ, Credit Ins, Tech Asst Visits, Post disbursement monitoring |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Advanced Community Banking | RWF 250,000 - 3,000,000 | 6 - 12 | 60% - 80% | 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 | 60% - 80% | 20% - 40% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
| Micro Individual/Business Loan | RWF 250,000 - 60,000,000 | 8 - 60 | 20% - 40% | 20% - 40% | Business, Agriculture, Housing, Consumer, Education | Women, Men | Business Training | |||||||
| New Solidarity Group | RWF 250,000 - 6,000,000 | 6 - 24 | 60% - 80% | 80% - 100% | Business, Consumer, Other | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
| Micro Consumer Loans | RWF 50,000 - 5,000,000 | 3 - 36 | 20% - 40% | 20% - 40% | Consumer, Education, Other | Women, Men, Salaried worker |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 36.00% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 35% - 38.8% | 37.4% - 41.7% | 93 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Advanced Community Banking | 24.0% annual, Flat | 1 Fee | 1 Ins | 18.00% fees | 10.0% upfront | 43.4% - 50.1% | 53% - 60.9% | 42 | ||||||||
| Community Banking | 24.0% annual, Flat | 1 Fee | 1 Ins | 18.00% fees | 10.0% upfront | 47.4% - 54.7% | 59.1% - 67.8% | 37 | ||||||||
| Micro Individual/Business Loan | 10.0%-20.0% annual, Decl Bal | 1 Fee | 1 Ins | 18.00% fees | N/A | 21.3% - 22.9% | 22.1% - 24.5% | 43 | ||||||||
| New Solidarity Group | 18.0% annual, Flat | 1 Fee | 1 Ins | 18.00% fees | 15.0% upfront | 44.2% | 60.6% | 30 | ||||||||
| Micro Consumer Loans | 18.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 22.1% - 25.9% | 22.1% - 25.9% | 75 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 36.00% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 35% - 38.8% | 37.4% - 41.7% | 93 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Advanced Community Banking | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | 18.00% fees | 10.0% upfront | 43.4% - 50.1% | 53% - 60.9% | 42 | ||||||||
| Community Banking | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | 18.00% fees | 10.0% upfront | 47.4% - 54.7% | 59.1% - 67.8% | 37 | ||||||||
| Micro Individual/Business Loan | 10.0%-20.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 18.00% fees | N/A | 21.3% - 22.9% | 22.1% - 24.5% | 43 | ||||||||
| New Solidarity Group | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | 18.00% fees | 15.0% upfront | 44.2% | 60.6% | 30 | ||||||||
| Micro Consumer Loans | 18.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 22.1% - 25.9% | 22.1% - 25.9% | 75 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
