Institution

Urwego Opportunity Bank Avenue de la PaixKigali
Data approved: 2011-09-29
Data version: 1
Age of data: -   months 

Institution

Ahon sa Hirap, Inc. 76 8th AvenueCubaoQuezon City1109
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.uob.rw/
Year established1997
Head of InstitutionJeffrey J. Lee
Regions active0
# Branches36

Total Portfolio (nat'l)RWF 6,225,428,134
Total Portfolio (USD)USD 10,551,573.11
Active clients with loans32,690
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
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.ashi.org.ph/
Year established1991
Head of InstitutionMila Mercado-Bunker
Regions active
# Branches21

Total Portfolio (nat'l)PhP 238,006,978
Total Portfolio (USD)USD 5,693,946.84
Active clients with loans31,322
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsMicrofinance Council of the Philippines, Social Performance Taskforce, Social Performance Network, Grameen Global Network
FundersTRIAS, PCFC, Peace & Equity Foundation, KIVA

Loan Products » Summary

383 Borrowers
USD 377,773.29 Portfolio
Active Product
31,280 Borrowers
USD 4,763,256.54 Portfolio
Active Product
529 Borrowers
USD 1,625,500.81 Portfolio
Active Product
493 Borrowers
USD 395,211.96 Portfolio
Active Product

Loan Products » Summary

204 Borrowers
USD 8,356.98 Portfolio
Active Product
3,590 Borrowers
USD 369,189.07 Portfolio
Active Product
19,732 Borrowers
USD 3,499,289.83 Portfolio
Active Product
3,228 Borrowers
USD 505,472.85 Portfolio
Active Product
8,000 Borrowers
USD 801,853.97 Portfolio
Active Product
660 Borrowers
USD 47,454.43 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 - 1,500,000 4 - 12 80% - 100% 40% - 60% Business, Other Women, Men, Have business Credit Educ, Business Training
Community Banking RWF 30,000 - 1,200,000 4 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training
Micro Individual/Business Loan RWF 500,000 - 10,000,000 4 - 60 40% - 60% 80% - 100% Business, Consumer Women, Men
New Solidarity Group RWF 250,000 - 5,000,000 4 - 24 60% - 80% 80% - 100% Business, Consumer, Other Women, Men, Have business Credit Educ, Group Mtgs, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Center Loan PHP 1,000 - 50,000 6 - 24 80% - 100% 20% - 40% Other, Payment of past due of willful member Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Educational Loan PHP 3,000 - 20,000 6 - 24 80% - 100% 20% - 40% Education Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
General Loan PHP 3,000 - 50,000 6 - 24 80% - 100% 20% - 40% Business Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life Insurance
Group Fund Loan PHP 700 - 49,000 2 - 6 80% - 100% 20% - 40% Other Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
House Repair Loan PHP 3,000 - 20,000 6 - 24 80% - 100% 20% - 40% Housing Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Recovery Loan PHP 3,000 - 3,000 6 80% - 100% 20% - 40% Business Women 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%-30.0% annual, Flat 1 Fee 1 Ins 18.00% loan amt 10.0% upfront 10.00% ongoing 48.6% - 53.4% 62.6% - 70.8% 35
Community Banking 30.0%-36.0% annual, Flat 0 Fees 1 Ins None 10.0% upfront 63.4% - 63.5% 83.1% - 83.5% 36
Micro Individual/Business Loan 18.0%-24.0% annual, Decl Bal 1 Fee 0 Ins 18.00% loan amt N/A 0% - 27.8% 22.2% - 28.6% 69
New Solidarity Group 18.0%-24.0% annual, Flat 1 Fee 0 Ins 18.00% loan amt 15.0% upfront 15.00% ongoing 0% - 54.8% 54.1% - 107.5% 24

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Center Loan 25.0% annual, Flat 0 Fees 0 Ins None N/A 33.1% - 44.3% 33.1% - 44.3% 65
Educational Loan 25.0% annual, Flat 0 Fees 0 Ins None N/A 47.3% - 48.4% 47.3% - 48.4% 52
General Loan 25.0% annual, Flat 1 Fee 2 Ins None 5.00 upfront 5.00 ongoing 70.1% 72.1% - 106.2% 31
Group Fund Loan 0.0% annual, Flat 1 Fee 0 Ins None N/A 17.3% - 19.8% 17.3% - 40.9% 0
House Repair Loan 25.0% annual, Flat 0 Fees 0 Ins None N/A 47.3% - 47.6% 47.3% - 47.6% 53
Recovery Loan 25.0% annual, Flat 0 Fees 0 Ins None None 47.3% - 48.4% 47.3% - 48.4% 52

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%-30.0% annual, Flat 1 Fee 1 Ins Ins 18.00% loan amt 10.0% upfront 10.00% ongoing 48.6% - 53.4% 62.6% - 70.8% 35
Community Banking 30.0%-36.0% annual, Flat 0 Fees 1 Ins Ins None 10.0% upfront 63.4% - 63.5% 83.1% - 83.5% 36
Micro Individual/Business Loan 18.0%-24.0% annual, Decl Bal 1 Fee 0 Ins Ins 18.00% loan amt N/A 0% - 27.8% 22.2% - 28.6% 69
New Solidarity Group 18.0%-24.0% annual, Flat 1 Fee 0 Ins Ins 18.00% loan amt 15.0% upfront 15.00% ongoing 0% - 54.8% 54.1% - 107.5% 24

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Center Loan 25.0% annual, Flat 0 Fees 0 Ins Ins None N/A 33.1% - 44.3% 33.1% - 44.3% 65
Educational Loan 25.0% annual, Flat 0 Fees 0 Ins Ins None N/A 47.3% - 48.4% 47.3% - 48.4% 52
General Loan 25.0% annual, Flat 1 Fee 2 Ins Ins None 5.00 upfront 5.00 ongoing 70.1% 72.1% - 106.2% 31
Group Fund Loan 0.0% annual, Flat 1 Fee 0 Ins Ins None N/A 17.3% - 19.8% 17.3% - 40.9% 0
House Repair Loan 25.0% annual, Flat 0 Fees 0 Ins Ins None N/A 47.3% - 47.6% 47.3% - 47.6% 53
Recovery Loan 25.0% annual, Flat 0 Fees 0 Ins Ins None None 47.3% - 48.4% 47.3% - 48.4% 52
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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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