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Institution

Opportunity Uganda Ltd Plot 7A, John Bahiha AvenueKampala, CentralPO Box 33513
Data approved: 2012-10-04
Data version: 2
Age of data: 88 months

Institution

Goshen Finance S.A NyarugengeKigaliPO Box 4787
Data approved: 2011-09-16
Data version: 1
Age of data: 104 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.opportunitybank.co.ug
Year established1995
Head of InstitutionAndre Lalumiere
Regions activeCentral, Eastern, Western
# Branches15

Total Portfolio (nat'l)UGX 35,258,199,073
Total Portfolio (USD)USD 13,560,845.80
Active clients with loans23,734
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsOpportunity International, AMFIU
FundersOpportunity International

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2006
Head of InstitutionMunyankumburwa Samuel
Regions activeBugesera, Burera, Gasabo, Gatsibo, Gicumbi, KamonyiKayonza, Kicukiro, Muhanga, Musanze, Nyagatare, Nyanza, Nyarugenge
# Branches4

Total Portfolio (nat'l)RWF 2,378,245,166
Total Portfolio (USD)USD 3,716,008.07
Active clients with loans2,076
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsAMIR
FundersBanqu Nationale Du Rwanda, Banque Rwandaise De Development

Loan Products » Summary

15,056 Borrowers
USD 3,125,699.44 Portfolio
Active Product
4,863 Borrowers
USD 599,820.68 Portfolio
Active Product
167 Borrowers
USD 64,993.83 Portfolio
Active Product
1,298 Borrowers
USD 1,184,454.82 Portfolio
Active Product
365 Borrowers
USD 1,005,059.22 Portfolio
Active Product
342 Borrowers
USD 1,100,933.09 Portfolio
Active Product
127 Borrowers
USD 115,595.38 Portfolio
Active Product
95 Borrowers
USD 1,588,894.59 Portfolio
Active Product
757 Borrowers
USD 2,777,517.25 Portfolio
Active Product
31 Borrowers
USD 28,314.13 Portfolio
Low Volume Product
31 Borrowers
USD 28,314.13 Portfolio
Low Volume Product
9 Borrowers
USD 5,303.71 Portfolio
Low Volume Product
9 Borrowers
USD 5,303.71 Portfolio
Low Volume Product
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

444 Borrowers
USD 658,224.40 Portfolio
Active Product
1,127 Borrowers
USD 1,022,369.35 Portfolio
Active Product
331 Borrowers
USD 1,215,800.97 Portfolio
Active Product
119 Borrowers
USD 623,003.02 Portfolio
Active Product
55 Borrowers
USD 196,610.34 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Solidarity Group Loan UGX 50,000 - 5,000,000 4 - 12 60% - 80% 40% - 60% Business, Housing, Education Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Consumer Financial Education
School Fee Loan - Group UGX 100,000 - 3,000,000 3 - 6 60% - 80% 40% - 60% Education Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
School Fee Loan - Individual UGX 500,000 - 5,000,000 3 - 6 60% - 80% 40% - 60% Education Women, Men, Have business Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Agriculture Loan - Group UGX 100,000 - 15,000,000 3 - 24 40% - 60% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Agriculture Loan - Individual UGX 500,000 - 625,000,000 3 - 60 40% - 60% 40% - 60% Business Women, Men, Have business Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Asset Financing Loan UGX 500,000 - 625,000,000 6 - 60 40% - 60% 40% - 60% Any Purpose Women, Men Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Salary Loan UGX 500,000 - 20,000,000 3 - 36 40% - 60% 40% - 60% Consumer Women, Men, Salaried worker Credit Educ, Credit Ins
Education Loan UGX 500,000 - 625,000,000 4 - 60 40% - 60% 40% - 60% Education Women, Men, Schools & Companies are also eligible. Credit Educ, Credit Ins
Business Loan UGX 500,000 - 625,000,000 4 - 36 40% - 60% 40% - 60% Business Women, Men, Have business Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agri-Elevage Loan RWF 1,000,000 - 15,000,000 6 - 36 0% - 20% 0% - 20% Business Women, Men Credit Ins, Tech Asst Visits, Business Training
Autres Credits RWF 100,000 - 10,000,000 1 - 24 0% - 20% 40% - 60% Consumer, Education, Other Women, Men Business Training, Other Training
Commerce Loan RWF 500,000 - 30,000,000 6 - 36 20% - 40% 80% - 100% Business Women, Men, Have business Credit Educ, Credit Ins, Business Training
Construction Loan RWF 500,000 - 30,000,000 12 - 60 20% - 40% 60% - 80% Business, Housing, Consumer Women, Men, Have business Credit Educ, Credit Ins, Business Training
Equipement pour le Transport Loan RWF 1,000,000 - 10,000,000 12 - 36 0% - 20% 60% - 80% Business, Consumer Women, Men, Have business Credit Ins, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Solidarity Group Loan 27.00%-30.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 51.9% - 70.1% 69.8% - 100.3% 32
School Fee Loan - Group 30.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 65.3% - 72.4% 93% - 103.1% 30
School Fee Loan - Individual 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 48.6% - 58.6% 50.7% - 62.3% 43
Agriculture Loan - Group 27.00%-30.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 32.9% - 61.6% 39% - 86.6% 50
Agriculture Loan - Individual 24.00% annual, Decl Bal 3 Fees 1 Ins None 15.00% upfront 45.6% - 59.2% 59.8% - 82.1% 33
Asset Financing Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 43.7% - 53.2% 44.9% - 56.4% 47
Salary Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 43.8% - 55.1% 44.7% - 58.4% 47
Education Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 43.2% - 45.2% 44.8% - 46.8% 52
Business Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 40.3% - 58.8% 42.3% - 62.7% 47

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agri-Elevage Loan 16.00% annual, Decl Bal 1 Fee 1 Ins None N/A 14.1% - 56% 14.7% - 57.3% 58
Autres Credits 16.00% annual, Decl Bal 1 Fee 1 Ins None N/A 15.4% - 72% 16.1% - 72% 45
Commerce Loan 16.00% annual, Decl Bal 1 Fee 1 Ins None N/A 15.1% - 20% 18.7% - 49.9% 61
Construction Loan 16.00% annual, Decl Bal 1 Fee 1 Ins None N/A 16.9% - 18.1% 16.9% - 19% 88
Equipement pour le Transport Loan 16.00% annual, Decl Bal 1 Fee 1 Ins None N/A 17.5% - 18.8% 18.6% - 19.4% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Solidarity Group Loan 27.00%-30.00% annual, Flat 2 Fees 1 Ins Ins None 15.00% upfront 51.9% - 70.1% 69.8% - 100.3% 32
School Fee Loan - Group 30.00% annual, Flat 2 Fees 1 Ins Ins None 15.00% upfront 65.3% - 72.4% 93% - 103.1% 30
School Fee Loan - Individual 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 48.6% - 58.6% 50.7% - 62.3% 43
Agriculture Loan - Group 27.00%-30.00% annual, Flat 2 Fees 1 Ins Ins None 15.00% upfront 32.9% - 61.6% 39% - 86.6% 50
Agriculture Loan - Individual 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None 15.00% upfront 45.6% - 59.2% 59.8% - 82.1% 33
Asset Financing Loan 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 43.7% - 53.2% 44.9% - 56.4% 47
Salary Loan 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 43.8% - 55.1% 44.7% - 58.4% 47
Education Loan 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 43.2% - 45.2% 44.8% - 46.8% 52
Business Loan 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 40.3% - 58.8% 42.3% - 62.7% 47

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agri-Elevage Loan 16.00% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 14.1% - 56% 14.7% - 57.3% 58
Autres Credits 16.00% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 15.4% - 72% 16.1% - 72% 45
Commerce Loan 16.00% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 15.1% - 20% 18.7% - 49.9% 61
Construction Loan 16.00% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 16.9% - 18.1% 16.9% - 19% 88
Equipement pour le Transport Loan 16.00% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 17.5% - 18.8% 18.6% - 19.4% 83
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Key Statistics
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Loan Portfolio (USD)
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% Products with compulsory deposits
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