2. FINCA-UGA
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  2. Urwego

Institution

FINCA Uganda Limited Plot 22 Ben Kiwanuka StreetKampalaPO Box 24450
Data approved: 2014-11-19
Data version: 3
Age of data: 112 months
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Institution

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

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.finca.org/
Year established1992
Head of InstitutionJulius Omoding
Regions activeCentral, Eastern, Northern, Western, Southern
# Branches27

Total Portfolio (nat'l)UGX 69,190,692,605
Total Portfolio (USD)USD 27,402,254.50
Active clients with loans56,372
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsFINCA International
FundersFINCA International, SEEP, Gates Foundation

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

Loan Products » Summary

Business
10,570 Borrowers
USD 17,162,934.63 Portfolio
Active Product
Small Grp
11,953 Borrowers
USD 2,596,434.73 Portfolio
Active Product
Village Grp
31,375 Borrowers
USD 5,567,259.94 Portfolio
Active Product
Agric Ln
2,474 Borrowers
USD 2,075,625.19 Portfolio
Active Product

Loan Products » Summary

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
FINCA Business Loan UGX 500,000 - 200,000,000 3 - 36 20% - 40% 80% - 100% Business, Agriculture, Education Women, Men, Have business, Specific age group Credit Ins
FINCA Small Group Loan UGX 500,000 - 10,000,000 3 - 12 20% - 40% 60% - 80% Business, Agriculture, Education Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Credit Ins
FINCA Village Group Loan UGX 50,000 - 10,000,000 4 - 8 40% - 60% 20% - 40% Business, Agriculture, Education Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Credit Ins
FINCA Agriculture Loan UGX 100,000 - 60,000,000 3 - 36 40% - 60% 20% - 40% Business, Agriculture, Education Women, Men, Individual farmers & farmers in cooperatives Loan guarantee up to 50% by agribusiness initiative

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 » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
FINCA Business Loan 24.0%-36.0% annual, Decl Bal 2 Fees 1 Ins None N/A 32.2% - 36.1% 33% - 37% 68
FINCA Small Group Loan 68.8% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 69.2% - 71.6% 82.7% - 87.1% 81
FINCA Village Group Loan 68.8% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 1.00% ongoing 70% - 80.5% 84.2% - 97.9% 78
FINCA Agriculture Loan 42.0%-68.8% annual, Decl Bal 2 Fees 0 Ins None N/A 59.7% - 71.5% 59.7% - 71.5% 66

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
FINCA Business Loan 24.0%-36.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 32.2% - 36.1% 33% - 37% 68
FINCA Small Group Loan 68.8% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront 69.2% - 71.6% 82.7% - 87.1% 81
FINCA Village Group Loan 68.8% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront 1.00% ongoing 70% - 80.5% 84.2% - 97.9% 78
FINCA Agriculture Loan 42.0%-68.8% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 59.7% - 71.5% 59.7% - 71.5% 66

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
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