Finance that fits your income
Microfinance for the work you already do
Umurimo Finance Plc is a microfinance institution for households, cooperatives and small businesses. Savings, eight loan lines and everyday payments — at a counter, on a smartphone, or on any handset at all with *182*4*3#.
- Commerce
- Transport
- Agriculture
- Livestock
- Fishing
- Salary advance
- Contingency
- Ordinary
Four ways to bank with us
Pick the one that fits how you earn and how you like to transact.
See the whole cost, before anyone asks for a signature
Most people find out what a loan really costs after they have already committed. Set the amount and the period, enter the rate you were quoted, and see the monthly instalment, the total, and how much of it is the cost of credit.
Enter the rate your loan officer quoted you. We deliberately do not fill one in — a rate on a marketing page is not a rate you have been offered.
Shape the loan
Set the amount and the period, then enter the rate you were quoted.
RWF 50,000 – 5,000,000
3 – 36 months
Ask your loan officer. We do not fill this in.
Enter the rate you were quoted
Your loan officer gives you this figure. Once it is in, you will see the monthly instalment, the total you repay, and how much of it is the cost of credit.
Five steps, start to finish
The same process whether you begin in a branch or on your phone.
Step 1: Apply
Start in the app or at any of our five service points with your ID and the details of what you need.
Step 2: We assess
We look at your repayment capacity and the purpose of the loan, then come back to you with a decision.
Step 3: You sign
Your offer and amortisation schedule spell out every figure — amount, interest, fees, insurance, dates.
Step 4: We disburse
Approved funds are sent to your mobile money account, so you can use them the same day.
Step 5: You repay
Pay each instalment from your phone on *182*4*3# or in the app, and watch the balance come down.
Everything we do, in one place
What we lend and what we hold on the first line; how you reach it and what it costs on the second.
Commerce
Working capital and stock finance for traders, retailers and wholesalers, aligned to trading cycles.
Transport
Equipment or operations, structured around verifiable earnings from transport activity.
Agriculture
Input, crop and farm improvement loans linked to planting and harvest timelines.
Livestock
Herds, stocking, feed or expansion, with schedules matched to realistic offtake.
Fishing
Gear, boat-related or working-capital support, assessed on activity and repayment capacity.
Salary
Payroll-secured instalments for formally employed borrowers, set out in the covenant.
Contingency
Short-term relief when household or enterprise cash flow is interrupted.
Ordinary
General-purpose credit for needs that do not sit inside a single sector line.
Term deposit account
A fixed-term deposit for disciplined growth. Early withdrawal rules are set out on your term certificate.
Current account
Day-to-day banking for individuals and businesses. Fees and cycles are on your tariff sheet.
What people ask us first
What do I need to become a customer?
Your ID, proof of address and our account form. Registered businesses and cooperatives also bring their registry documents and the list of signatories. Any branch will give you the full checklist.
Can I open an account online?
You can start the process digitally. Some steps still have to be completed in person because the regulator requires them — we will tell you exactly which ones before you travel.
How do I know what a loan will really cost me?
Every figure that binds you is on your signed offer and amortisation schedule — amount, interest, fees, insurance and dates. Anything on this website is an illustration, never a quote.
I do not have a smartphone. Can I still bank with you?
Yes. *182*4*3# works on any handset with no internet connection at all — balances, transfers, repayments and a mini statement. Mobile banking and eKash are there if you do have a smartphone, and every service is available at a counter either way.
What happens if I miss a repayment?
Tell us before the date if you can — the earlier we know, the more options there are. Penalties apply only after the grace window set out in your agreement, and any notice you receive will reference the terms you signed rather than new ones.
Meet the leadership team
A managing director and five heads — operations, finance, audit, risk and compliance, and IT.
Ndori Rwirahira Bernard
Mahoro Claude Benoit
Gakiza Gamaliel
Nathalie Nshutiyase
Nsengiyumva Ntare Didace
Iyakaremye Christian
There is a desk near you
Head office in Kamembe, Rusizi, with service points at Kagano, Karengera, Macuba and Bushenge. Bring your ID and we will take it from there.