Institution

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

Institution

Ad Jesum Development Foundation, Inc. Clergy House CompoundMadangMati City, Davao Oriental/Region XI8200
Data approved: 2011-11-15
Data version: 1
Age of data: 108 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://adjesum.multiply.com/
Year established1997
Head of InstitutionSr. Bernadette R. Dollete, CSJ
Regions active
# Branches9

Total Portfolio (nat'l)PhP 76,253,793
Total Portfolio (USD)USD 1,824,253.42
Active clients with loans9,525
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsPeople's Credit and Finance Corporation (PCFC), National Livelihood Development Corporation (NLDC), PinoyME Foundation, Responsible Investment for Solidarity Empowerment
FundersCatholic Relief Services

Loan Products » Summary

4,400 Borrowers
USD 2,415,381.41 Portfolio
Active Product
31,626 Borrowers
USD 5,853,689.15 Portfolio
Active Product
1,331 Borrowers
USD 4,953,276.75 Portfolio
Active Product
348 Borrowers
USD 238,999.72 Portfolio
Active Product
255 Borrowers
USD 136,876.71 Portfolio
Active Product
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

120 Borrowers
USD 64,320.74 Portfolio
Active Product
221 Borrowers
USD 3,789.31 Portfolio
Active Product
11,000 Borrowers
USD 461,158.13 Portfolio
Active Product
276 Borrowers
USD 8,752.51 Portfolio
Active Product
300 Borrowers
USD 265,383.21 Portfolio
Active Product
1,200 Borrowers
USD 81,471.36 Portfolio
Active 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
Asset Acquisition - Land PHP 40,000 - 70,000 36 80% - 100% 20% - 40% Housing Women, Men Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training
Educational Loan PHP 3,000 - 5,000 6 80% - 100% 0% - 20% Education Women, Men Credit Educ, Group Mtgs, Credit Ins, Business Training
Grameen I or Regular Loan PHP 3,000 - 60,000 6 - 12 80% - 100% 0% - 20% Any Purpose Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
House Repair Loan PHP 3,000 - 5,000 6 80% - 100% 20% - 40% Housing Women, Men, Have home or land Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Micro-Agri Loan PHP 5,000 - 70,000 6 - 12 60% - 80% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
Multi Purpose Loan PHP 5,000 - 15,000 6 - 12 80% - 100% 20% - 40% Any Purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, 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
Asset Acquisition - Land 10.0% annual, Flat 1 Fee 2 Ins None N/A 73.8% 78.7% 13
Educational Loan 0.0% annual, Flat 1 Fee 2 Ins None N/A 12.3% 125% 0
Grameen I or Regular Loan 36.0% annual, Flat 1 Fee 2 Ins 1.00% loan amt 5.0% upfront 8.00-20.00 ongoing 73.8% - 81.8% 87% - 224% 31
House Repair Loan 12.0% annual, Flat 1 Fee 2 Ins None N/A 23.6% 174.9% 7
Micro-Agri Loan 36.0% annual, Flat 1 Fee 1 Ins None N/A 42.9% - 43.7% 44.4% - 56.4% 74
Multi Purpose Loan 36.0% annual, Flat 1 Fee 2 Ins None 5.0% upfront 20.00 ongoing 73.8% 102.6% - 139.1% 30

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
Asset Acquisition - Land 10.0% annual, Flat 1 Fee 2 Ins Ins None N/A 73.8% 78.7% 13
Educational Loan 0.0% annual, Flat 1 Fee 2 Ins Ins None N/A 12.3% 125% 0
Grameen I or Regular Loan 36.0% annual, Flat 1 Fee 2 Ins Ins 1.00% loan amt 5.0% upfront 8.00-20.00 ongoing 73.8% - 81.8% 87% - 224% 31
House Repair Loan 12.0% annual, Flat 1 Fee 2 Ins Ins None N/A 23.6% 174.9% 7
Micro-Agri Loan 36.0% annual, Flat 1 Fee 1 Ins Ins None N/A 42.9% - 43.7% 44.4% - 56.4% 74
Multi Purpose Loan 36.0% annual, Flat 1 Fee 2 Ins Ins None 5.0% upfront 20.00 ongoing 73.8% 102.6% - 139.1% 30
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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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