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Experience with youth


UMUTANGUHA is the first MFI in Rwanda to focus on holistic approach in serving Youth

(male and female). UMUTANGUHA is since 2010

in partnership with UNCDF providing inclusive financial services to Youth under the

YouthStart Program.


Findings of the market research conducted prior to the implementation of the Program

indicate that the youth (12-35 years and 12-24

GOR andUNCDF definitions respectively) need both financial and nonfinancial services

tailored to their needs to tackle their unemployment.  



As a result, UMUTANGUHA has developed a special package of products:


(i) Youth Demand Account “TANGIRA KARE”;

(ii) Youth Term Purpose Account “IHIRWE”;

(iii)  Youth Business loan “NUNGUKE”;

(iv) Youth Micro leasing account; and

(v) Non financial services specifically for Youth. 


The Financial Education include trainings and monitoring of all youth clients’ enterprises such as MSMEs project management, the

importance of saving, loan management, business development, solidarity group management as well as crosscutting issues such as

HIV Aids, environment, Gender, Reproductive Health, etc.