2. Urwego
  2. FMSD
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Institution

Urwego Opportunity Bank Plot 1230 NyarugengeAvenue de la PaixKigaliPO Box 748
Data approved: 1900-01-00
Data version: 3
Age of data: -   months 
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Institution

Fundación Mario Santo Domingo Carrera 45 N° 34-01 Piso 2Barranquilla, Atlántico
Data approved: 2011-08-01
Data version: 1
Age of data: 159 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.uob.rw/
Year established1997
Head of InstitutionTineyi Emmanuel Mawocha
Regions activeBugesera, 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
# Branches36

Total Portfolio (nat'l)RWF 9,442,026,780
Total Portfolio (USD)USD 14,753,166.84
Active clients with loans38,207
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsOpportunity International, Hope International, World Relief
FundersMasterCard Foundation, Gates Foundation, Credit Suisse, European Union

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.fmsd.org.co/
Year established1960
Head of InstitutionJUAN CARLOS FRANCO VILLEGAS
Regions active
# Branches4

Total Portfolio (nat'l)COP 16,810,083,825
Total Portfolio (USD)USD 9,236,309.79
Active clients with loans6,816
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsACCION INTERNACIONAL, ASOMICROFINANZAS
FundersKIVA, BANCOLDEX

Loan Products » Summary

Adv CB
4,400 Borrowers
USD 2,415,381.41 Portfolio
Active Product
Community
31,626 Borrowers
USD 5,853,689.15 Portfolio
Active Product
Idv Business
1,331 Borrowers
USD 4,953,276.75 Portfolio
Active Product
Sol Grp
348 Borrowers
USD 238,999.72 Portfolio
Active Product
Micro Con
255 Borrowers
USD 136,876.71 Portfolio
Active Product
Cash
0 Borrowers
USD 1,156,975.32 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

Fijos
235 Borrowers
USD 423,141.34 Portfolio
Active Product
Trabajo
5,591 Borrowers
USD 4,336,699.24 Portfolio
Active Product
Superiores
148 Borrowers
USD 1,093,009.84 Portfolio
Active Product
Vivienda
59 Borrowers
USD 82,641.10 Portfolio
Active Product
Hipotecaria
777 Borrowers
USD 3,297,893.53 Portfolio
Active Product
Educacion
6 Borrowers
USD 2,924.75 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 » 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 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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Activos fijos COP 515,000 - 12,875,000 12 - 60 40% - 60% 80% - 100% Business, Solo para Activo Fijo Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Capital de Trabajo COP 257,500 - 12,875,000 12 - 24 40% - 60% 80% - 100% Business, Solo para Capital de Trabajo Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Créditos superiores COP 10,000,000 - 61,800,000 6 - 60 40% - 60% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Mejoramiento de vivienda COP 515,000 - 10,300,000 12 - 60 80% - 100% 80% - 100% Housing Women, Men, Have business, Have home or land Credit Educ, Credit Ins
Vivienda Hipotecaria COP 2,000,000 - 11,845,000 36 - 120 60% - 80% 80% - 100% Business Women, Men 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
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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Activos fijos 20.0%-29.0% annual, Decl Bal 2 Fees 2 Ins None N/A 34.1% - 40% 39.7% - 47.2% 46
Capital de Trabajo 18.0%-29.0% annual, Decl Bal 2 Fees 2 Ins None N/A 30.2% - 37.4% 35.9% - 43.6% 46
Créditos superiores 22.0%-28.0% annual, Decl Bal 2 Fees 2 Ins None N/A 26.9% - 27.9% 31.4% - 32% 69
Mejoramiento de vivienda 20.0% annual, Decl Bal 2 Fees 1 Ins None N/A 30.3% - 31.7% 30.3% - 35.9% 61
Vivienda Hipotecaria 16.5% annual, Decl Bal 1 Fee 1 Ins None N/A 15.6% - 16.4% 16.9% - 17.4% 97

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% 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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Activos fijos 20.0%-29.0% annual, Decl Bal 2 Fees 2 Ins Ins None N/A 34.1% - 40% 39.7% - 47.2% 46
Capital de Trabajo 18.0%-29.0% annual, Decl Bal 2 Fees 2 Ins Ins None N/A 30.2% - 37.4% 35.9% - 43.6% 46
Créditos superiores 22.0%-28.0% annual, Decl Bal 2 Fees 2 Ins Ins None N/A 26.9% - 27.9% 31.4% - 32% 69
Mejoramiento de vivienda 20.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 30.3% - 31.7% 30.3% - 35.9% 61
Vivienda Hipotecaria 16.5% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 15.6% - 16.4% 16.9% - 17.4% 97
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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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