• Must be registered as a business in Rwanda.
• Must be an Inkomoko client in good standing (current on payments within due date) for a minimum of three months.
• The business must be in existence and active for at least 6 months.

1. ID of authorized Representative and shareholders.
2. Must be an Inkomoko client in good standing (current on payments within due date) for a minimum of three months.
3. Projects that fits AEC’s mission (eg. Employment creation).
4. Past, current and Projected financial statements.

• Provide account statement, if any
  Ability to repay the loan.
• Good credit history (CRB) with AEC RT or other financial institutions, If any.
• Certificate of company registration.
• Financial Statements.
• In case of a collateral to be pledged, document of the property shall be provided.
• Tax clearance certificate,Bank Account Statements.

• Matured groups after 12months of formation
• Repayment frequency:Monthly
• Recomemded by an NGO / Facilitating Agency / Local Authority

• ID cards,
• Group constitution,
• Recommendation from cell phone company

Peer guarantee

• Identification card

• Crops can be: Seasonal Repayment holiday with monthly interest
• Livestock can be: 1 to 6 month grace period then monthly principal and interest (P&I)

• ID cards,
• Group constitution,
• Recommendation from cell phone company

• Repayment frequency: bi-weekly or monthly
• Group recomemded / Approved by Local Authority
• Loans should be used for the given purpose

• ID cards,
• Group constitution,
• Recommendation from cell phone company

• Matured groups after 12months of formation
• Repayment frequency: Monthly
• Recomemded by an NGO / Facilitating Agency / Local Authority

• ID cards,
• Group constitution,
• Recommendation from cell phone company

Activity in trading

• Identification Card

• Agricultural production with innovation in processing, good packaging, export,… Grant accompanied with loan of 6 million to be paid at 12% and direct equity of 1 million.

• Proof of agribusiness project owned by a Rwandan citizen
• Proof that two years were spent after graduation from secondary or university studies
• Cooperative or company registration proof
• Proof that project is at start-up stage with less than one year of existence
• Proof that the project is under combined production and agri-business or agro-processing
• Proof of 10% of total project value owned by owner of the business

• Open account in UB
• Active business (experience for 6 months)
• Loan Security
• The business has to be located in Rwanda

• Project description (customer needs statement)
• Financial statement certified
• Application letter
• Company Registration Certificate/ID copy of the applicant and his guarantor
• Legal status certificate - RRA Tax Clearance Certificate
• Valuation report of collateral (done by a valuer, which has a partnership with UNGUKA Bank Ltd)
• MICRO WORKING CAPITAL LOAN 21: - Collateral title (land, factory, car etc) and movable security documents
• Act of lending property if the collateral doesn’t belong to the borrower
• Life insurance is mandatory for individuals - Notified Board resolution for companies
• Bank statements for the last 6 months (if account held with another financial institution

• Existing business

• ID card,
• Patent document

Activity in trading

• Identification card

• Business for export

• Business plan and loan application letter;
• Feasibility study (where applicable);
• Financial report for past three years (existing projects);
• Land title/emphyteutic lease of the project site and securities;
• Bill of quantities of constructions (hard and soft copy) + Perspective (if any);
• Plans of constructions with District stamp (if any);
• Valuation report of securities done by (person recognized by RDB + certified by IPRV);
• Pro-forma invoice of equipment, raw material and materials to be bought; (if any)
• Copies of contracts with service providers related to required financing (if any);
• Rwanda Environment Management Authority (REMA) certificate;
• Rwanda Revenue Authority (RRA) certificate;
• Rwanda Bureau of Standards (RBS) certificate;
• ID of owner or company/Cooperative registration certificate;
• Promoter's contribution of at least 30% of the total cost of the project;
• Payment of service commission (1% of the Loan + VAT).

• The IPF will be used to finance all types of insurance policies except medical and life insurance policies.
• The Bank will only finance premiums for insurance policies that are current and continuing or newly written policies.

• A commitment from the insurance company guaranteeing the repayment of the unutilized premium portion in case the customer fails to honor its repayment obligations within a period not exceeding 7 days.
• Upfront payment of first two installments.
• Personal guarantee of the shareholders for the total facility amount plus accrued interests.
• Additional collaterals may be requested depending on the risk profile of the client.

• Open account in UB
• Procurement contract, sub-contract or Purchase Order
• 20% of customer contribution
• Experience in business or in tender execution

• Application letter
• Payment domiciliation in UB
• Company Registration Certificate/ID copy of the applicant and his guarantor
• Procurement Contract, Sub-Contract or Purchase Order
• Legal status certificate
• RRA Tax Clearance Certificate
• Valuation report of the collateral (done by a valuer, which has a partnership with UNGUKA Bank

• Open account in UB
• Procurement contract, sub-contract or Purchase Order
• 20% of customer contribution
• Experience in business or in tender execution

• Project description (customer needs statement)
• Application letter
• Company Registration Certificate/ID copy of the applicant and his guarantor
• Legal status certificate - RRA Tax Clearance Certificate
• Valuation report of collateral (done by a valuer who has a partnership with UNGUKA Ban

• Open account in UB
• Regular income (from: salary, business, livestock, rent, etc...)
• 30 % for other customers

• Application letter
• Company Registration Certificate/ID copy of the applicant and his guarantor
• Legal status certificate - RRA Tax Clearance Certificate
• Valuation report of the property and bill of quantity of remaining work (done by a valuer, which has a partnership with UNGUKA Bank Ltd)
• 34: Construction permit
• Collateral title documents
• Act of lending property if the collateral doesn’t belong to the borrower
• Life insurance is mandatory
• Fire insurance
• Provision sales agreement for purchase
• Notified Board resolution for companies
• Bank statements for the last 6 months (if account held with another financial institution)

• Business for export

• Business plan and loan application letter;
• Feasibility study (where applicable);
• Financial report for past three years (existing projects);
• Land title/emphyteutic lease of the project site and securities;
• Bill of quantities of constructions (hard and soft copy) + Perspective (if any);
• Plans of constructions with District stamp (if any);
• Valuation report of securities done by (person recognized by RDB + certified by IPRV);
• Pro-forma invoice of equipment, raw material and materials to be bought; (if any)
• Copies of contracts with service providers related to required financing (if any);
• Rwanda Environment Management Authority (REMA) certificate;
• Rwanda Revenue Authority (RRA) certificate;
• Rwanda Bureau of Standards (RBS) certificate;
• ID of owner or company/Cooperative registration certificate;
• Promoter's contribution of at least 30% of the total cost of the project;
• Payment of service commission (1% of the Loan + VAT).

• Business in Housing

• Loan application letter along with a strong business plan
• Financial report and bank statements for past three years,
• ID of owner or company/cooperative registration certificate;
• Promoter's contribution of at least 30% of the total cost of the project;
• Bill of quantities of constructions (and soft copy) and perspective (if any);
• Plans of constructions with District stamp (if any);
• Valuation report of securities done by (person recognized by RDB and certified by IPRV);
• Pro-forma invoice of equipment, raw material and materials to be bought; (if any)
• REMA certificate with recommendations;
• RRA and RSSB certificates;
• RBS certificate;
• All relevant authorizations in relation to the project to be financed;
• Payment of nonrefundable service commission (1% of the Loan + VAT);
• Land title/emphyteutic lease of the project site and securities;

• Only loans for energy

• Compliance with prudential regulations
• Adequate organization and governance
• Capital adequacy –
• Adequate profitability
• Adequate liquidity –
• Adequate credit portfolio structure and portfolio quality –
• Adequate internal controls, overseen by Audit Committee –
• Adequate accounting and book keeping and MIS system,
• Appropriate Implementation Capacity

• Existing business with signed contract to supply goods and services
• To accept the payment of contract services into the customer’s designated account in Cogebanque

• Application letter
• Copy of original contract to supply goods or services,
• Account in Cogebanque