2. Urwego
  2. KREDIT
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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

KREDIT Microfinance Institution Plc. #17, Street 163ChamkarmornPhnom Penh
Data approved: 2013-04-23
Data version: 3
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.kredit.com.kh
Year established2000
Head of InstitutionChan Mach
Regions activeBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampot, KandalKratié, Phnom Penh, Prey VengSiem Reap, Takéo
# Branches51

Total Portfolio (nat'l)KHR 239,343,000,000
Total Portfolio (USD)USD 60,593,164.56
Active clients with loans62,626
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations
Funders

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

IDR-AGR-KHR
8,084 Borrowers
USD 5,156,516.59 Portfolio
Active Product
ID-AGR-USD
2,624 Borrowers
USD 4,637,246.14 Portfolio
Active Product
ID-KHR
7,339 Borrowers
USD 3,065,231.29 Portfolio
Active Product
ID-USD
24,845 Borrowers
USD 42,321,723.05 Portfolio
Active Product
SG-AGR-KHR
245 Borrowers
USD 51,622.01 Portfolio
Active Product
SG-KHR
180 Borrowers
USD 21,243.63 Portfolio
Active Product
VSU-KHR
18,454 Borrowers
USD 3,950,090.79 Portfolio
Active Product
SG-USD
35 Borrowers
USD 3,011 Portfolio
Low Volume Product
SME-USD
6 Borrowers
USD 112,957.75 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 » 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
ID-AGR-KHR KHR 100,000 - 20,000,000 4 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
ID-AGR-USD USD 100 - 5,000 4 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
ID-KHR KHR 200,000 - 40,000,000 4 - 36 80% - 100% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land
ID-USD USD 100 - 20,000 4 - 36 80% - 100% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land
SG-AGR-KHR KHR 100,000 - 1,200,000 4 - 12 80% - 100% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land Group Mtgs
SG-KHR KHR 100,000 - 1,200,000 4 - 12 80% - 100% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land Group Mtgs
VSU-KHR KHR 50,000 - 1,200,000 4 - 12 80% - 100% 0% - 20% Any Purpose Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Other 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
ID-AGR-KHR 27.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 25.6% - 36% 25.6% - 36% 86
ID-AGR-USD 21.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 22.9% - 31.8% 22.9% - 31.8% 74
ID-KHR 24.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 27.7% - 36.8% 27.7% - 36.8% 72
ID-USD 19.8%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 21.8% - 30.7% 21.8% - 30.7% 73
SG-AGR-KHR 36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 36% 36% 100
SG-KHR 36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 36% 36% 100
VSU-KHR 34.2% annual, Decl Bal 0 Fees 0 Ins None N/A 32% - 32.2% 32% - 32.2% 100

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
ID-AGR-KHR 27.0%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 25.6% - 36% 25.6% - 36% 86
ID-AGR-USD 21.0%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 22.9% - 31.8% 22.9% - 31.8% 74
ID-KHR 24.0%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 27.7% - 36.8% 27.7% - 36.8% 72
ID-USD 19.8%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 21.8% - 30.7% 21.8% - 30.7% 73
SG-AGR-KHR 36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 36% 36% 100
SG-KHR 36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 36% 36% 100
VSU-KHR 34.2% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 32% - 32.2% 32% - 32.2% 100
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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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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