2. Urwego
  2. SCCI
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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

SWAWS Credit Corporation India Private Limited C2 Pooja Plaza, Vikrampuri ColonyKharkhanaSecunderabad, Andhra Pradesh500003
Data approved: 2013-05-14
Data version: 2
Age of data: 132 months
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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 Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.sccimicrofinance.com/
Year established1995
Head of InstitutionMrs. R.Girija
Regions activeAndhra Pradesh, Karnataka, Maharashtra, Orissa, Tamil Nadu
# Branches83

Total Portfolio (nat'l)INR 892,862,262
Total Portfolio (USD)USD 16,846,457.77
Active clients with loans121,066
Approximate % female clients100%
Approximate % urban clients60% - 80%
Network affiliationsMFIN, SA-DHAN

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

Fortnightly
21,038 Borrowers
USD 3,072,558.17 Portfolio
Active Product
Weekly
94,660 Borrowers
USD 12,837,959.98 Portfolio
Active Product
Monthly JLG
Retired Product

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
Fortnightly Loan INR 5,000 - 30,000 12 - 24 100% 60% - 80% Business, Education Women, Have business, Low HH Inc, Med HH Inc, 3 Out of 5 members should have own house in a group, Age should be above 18 and upto 58 Credit Educ, Group Mtgs, Credit Ins, Business Training
Weekly JLG INR 5,000 - 30,000 12 - 24 100% 80% - 100% Business, Education Women, Have business, Low HH Inc, Med HH Inc, 3 out of 5 members should have own house, Age should be above 18 and upto 58 Credit Educ, Group Mtgs, Credit Ins, Business Training, Product Linkages

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 » 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
Fortnightly Loan 26.8% - 27.3% 29.1% - 29.6% 30.9% - 31.5% Yes Yes Yes 93
Weekly JLG 25.8% - 26.6% 28% - 28.8% 29.8% - 30.6% Yes Yes Yes 96
*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
Fortnightly Loan 25.0%-26.7% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 29.1% - 29.6% 30.9% - 31.5% 80
Weekly JLG 25.0%-26.7% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 28% - 28.8% 29.8% - 30.6% 83

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 » 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
Fortnightly Loan 26.8% - 27.3% 29.1% - 29.6% 30.9% - 31.5% Yes Yes Yes 93
Weekly JLG 25.8% - 26.6% 28% - 28.8% 29.8% - 30.6% Yes Yes Yes 96
*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
Fortnightly Loan 25.0%-26.7% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 29.1% - 29.6% 30.9% - 31.5% 80
Weekly JLG 25.0%-26.7% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 28% - 28.8% 29.8% - 30.6% 83
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Key Statistics
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# Institutions
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# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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