Urwego Opportunity Bank (UOB) is a bank licensed by the National Bank of Rwanda in 2007, specialized in microfinance. It was established as the result of a merger between Urwego Community Banking, a leading microfinance institution operating since 1997, and Opportunity International Bank of Rwanda. UOB's vision is to be a sustainable financial institution achieving significant economic, social and spiritual transformational impact on the underprivileged of Rwanda through a variety of products and related training in a way that reflects the love of Jesus Christ. 

UOB offers its clients various credits (group and individual) and savings, along with training on business entrepreneurship, financial literacy and health management. UOB is using its partnership with Kiva to support new and innovative loan products, such as agricultural loans. Approximately 90% of the population of Rwanda is directly or indirectly related to the agricultural sector, and these loans can be vital to the livelihood of many.  

UOB recently began offering micro insurance, and since June 2011 there have been 26,000 insured. The bank has an emphasis on reaching all of those who are under served by the financial sector, and have been implementing programs to spread their impact. This is done with 36 outlets, including branches and credit offices, scattered throughout the country. Among them is a "mobile branch" which travels to the most remote areas. UOB is also planning to deploy technology to accelerate its outreach, such as "Open Sky", a proprietary communication device to enable lending staff in the field to have access to the system for faster and better client service. 

As of August 31st, 2011 UOB was serving more than 37,000 credit clients and more than 110,000 deposit clients, including the credit clients. Approximately 90% of the credit clients are women and 75% of total clients are in rural areas.