- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AGFS	200	47,000	2	150
Ahantaman RB	23,800	9,896,000	4	132
APED	13,700	1,876,000	2	132
ASA Initiative	4,400	577,000	4	132
ASA-Ghana	71,600	18,385,000	2	132
ASPI	800	88,000	6	132
Atwima Kwanwoma	3,800	1,788,000	2	132
Baobab	5,100	967,000	2	132
BestFUND	13,000	4,172,000	3	132
Bonzali Rural	10,400	1,691,000	4	150
CashPhase	83	135,000	2	132
CASUD	1,100	524,000	1	132
CEDEF	500	54,000	4	132
CFF	100	13,000	1	132
CRAN	3,600	1,019,000	2	132
DQF	1,700	63,000	2	132
EASL	9,200	11,409,000	6	132
East Mamprusi	12,500	2,268,000	4	132
ELDA	0	0	0	132
EMPRETEC Ghana	200	56,000	2	132
FASL	13,500	14,047,000	8	132
Grameen Ghana	9,500	507,000	3	132
ID-Ghana	5,600	953,000	3	132
Innovative Finance	2,700	354,000	3	132
Kraban Support	7,700	781,000	5	150
KRB	4,000	6,350,000	3	132
Lower Pra RB	34,000	6,316,000	3	150
Maata-N-Tudu	12,000	941,000	4	132
Mail Finance	300	288,000	1	132
Markaz	0	0	0	132
Markaz Al Bishara	100	17,000	1	132
MicrofinPlus Gh	1,100	251,000	2	132
Nwabiagya RB	4,000	2,265,000	3	132
OISL	62,000	27,232,000	9	132
Pro Credit	0	0	0	132
Rich Step	100	101,000	1	132
SAT	147,600	29,359,000	4	132
Sekam Trust	600	137,000	2	132
Simli Pong	8,900	463,000	3	150
SS Ghana	200	35,000	1	132
TCCU	100	32,000	3	132
The Bridge	400	32,000	3	150
Union RB	3,800	2,361,000	4	132

Urwego Opportunity Bank Avenue de la PaixKigali

Data approved: 2011-09-29

Data version: 1

Age of data: - months

Institution Type	Private 'For-Profit'
Is this institution regulated?	N/A
Website address	http://www.uob.rw/
Year established	1997
Head of Institution	Jeffrey J. Lee
Regions active	0
# Branches	36

Total Portfolio (nat'l)	RWF 6,225,428,134
Total Portfolio (USD)	USD 10,551,573.11
Active clients with loans	32,690
Approximate % female clients	80% - 100%
Approximate % urban clients	40% - 60%
Network affiliations	Opportunity International, Hope International, World Relief
Funders	MasterCard Foundation, Gates Foundation, Credit Suisse, European Union

Adv CB

383 Borrowers

USD 377,773.29 Portfolio

Active Product

Community

31,280 Borrowers

USD 4,763,256.54 Portfolio

Active Product

Idv Business

529 Borrowers

USD 1,625,500.81 Portfolio

Active Product

Sol Grp

493 Borrowers

USD 395,211.96 Portfolio

Active Product

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

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

Click to view Price Analysis Tool

Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits