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Where AMIR concentrates its work to build a stronger, more professional microfinance sector in Rwanda.

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Microfinance Sector factsheet

As of March 2026 (Q1 2026, RWF Billions)
70
MFIs/SACCOs
43%
D-SACCOs
31%
MFI PLCs
26%
Non-SACCOs
RWF 1,168.2 Bn Total Assets
6.4 million
Total accounts
48%
Female
44%
Male
8%
Groups/entities
34.8%
Capital Adequacy Ratio
vs. 15% regulatory minimum
2.4%
NPL / Gross Loans
healthy asset quality
23.1%
Return on Average Equity
ROAA: 7.2%
85.0%
Liquidity Ratio
ample short-term coverage

Balance Sheet Snapshot (RWF Billions)

Gross Loans768.8
Total Deposits644.9
Total Liabilities813.6
Total Equity354.6
Equity / Assets Ratio30.4%

Income Statement Highlights (RWF Billions)

Financial Revenue52.2
Net Financial Income (pre-provision)45.5
Net Income (after tax & donations)19.9
Net Margin38.1%
Cost-to-Income Ratio52.3%
The microfinance sector remains well-capitalized, highly liquid, and profitable, with asset quality comfortably within tolerance. Earnings are funding growth gradually, supporting continued operational sustainability without added capital or liquidity strain.

Achievements

Key Activities
2,115 74% women
Affordable loans offered
5.3 Bn RWF
Affordable loan amount
20,917 65% women
Jobs created
MFIs and SACCOs Staff Training
561
MFI/SACCO staff trained
Policy Support
51
policies customized from 17 DSACCOs.
120
Senior staff recruited for DSACCOs
Shared Agency Banking Establishment
400
Agents identified and trained.
  • Non-objection from BNR obtained
  • Umwalimu SACCO pilot
Youth and Women Awareness
21,248
Beneficiaries linked to FIs
BDS/Vas/Growth guides trained
629
Agents trained to support access to loans and skills development.
E-title caveat system
  • System developed by IREMBO
  • 800 staff trained
  • 69 FIs accessed
Learning Events organized by AMIR
884
Participants from MFIs/SACCOs, policymakers, Development partners.

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