Tanzania > Youth Self Employment Foundation (YOSEFO)

About the Field Partner

Field Partner:

Youth Self Employment Foundation (YOSEFO)

Field Partner Risk Rating:

(Learn more)

42 months

985

$613,850

0.00%

0.00%

Currency Exchange Loss Rate:

0.00%

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Kiva Fundraising Status

Fundraising Status:	Active
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Other Information Sources

MIX Profile:	View MIX Profile
Network Affiliation:	Plan International
Social Performance Reporting Level:	N/A
Consumer Protection Principles:	N/A
Field Partner Website:	View Website
Email Contact:	None

Youth Self Employment Foundation (YOSEFO) is a Non Governmental Organization (NGO) registered in Tanzania under Societies Orginance, 1954. As of December 31, 2005, YOSEFO had 3,695 customers, and 67% of them women. YOSEFO uses solidarity methodology to deliver it's Financial Services, and also provides business skills training, technical skills training, and HIV/AIDS awareness.

YOSEFO can be contacted via email at altemiusm@yahoo.com or cemide@uccmail.co.tz

Repayment Performance on Kiva

		This Field Partner	All Kiva Partners
	Start Date On Kiva	Apr 24, 2006	Oct 12, 2005
	Total Loans	$613,850	$101,929,710
	Amount of Raised Inactive Loans	$0	$111,475
	Number Of Raised Inactive Loans	0	164
	Amount of Paying Back Loans	$182,500	$44,703,125
	Number Of Paying Back Loans	260	63,327
	Amount of Ended Loans	$431,350	$57,115,110
	Number Of Ended Loans	590	83,635
	Delinquency Rate	0.00%	4.28%
	Amount of Paying Back Loans Delinquent	$0	$1,913,000
	Amount of Paying Back Loans	$182,500	$44,703,125
	Number of Paying Back Loans Delinquent	0	6,018
	Default Rate	0.00%	1.96%
	Amount of Ended Loans Defaulted	$0	$1,119,957
	Amount of Ended Loans	$431,350	$57,115,110
	Number Of Ended Loans Defaulted	0	3,369
	Currency Exchange Loss Rate	0.00%	0.00%
	Amount of Currency Exchange Loss	$0	$0
	Refund Rate	2.27%	1.09%
	Amount of Refunded Loans	$13,925	$1,112,375
	Number Of Refunded Loans	13	1,446
Updated as of November 21, 2009 1:21 AM

Loan Characteristics On Kiva

		This Field Partner	All Kiva Partners
	Loans to Women Entrepreneurs	67.09%	78.21%
	Average Loan Size	$637	$403
	Average Individual Loan Size	$686	$591
	Average Group Loan Size	$1,732	$1,494
	Average Number Of Entrepreneurs Per Group	4.6	0
	Average GDP Per Capita (PPP) in Local Country	$723	$3,464
	Average Loan Size / GDP Per Capita (PPP)	99.89%	11.65%
	Average Time To Fund A Loan	2.46 days	2.27 days
	Average Dollars Raised Per Day Per Loan	$259.06	$177.73
	Average Loan Term	8.78 months	9.31 months
Updated as of November 21, 2009 1:21 AM

Journaling Performance on Kiva

		This Field Partner	All Kiva Partners
	Total Journals	123	51642
	Journal Coverage	12.54%	28.22%
	Journal Coverage, Kiva Fellows	0.00%	0.21%
	Journal Frequency (Average Per Loan Per Year)	0.09	0.32
	Average Number Of Recommendations Per Journal	3.54	10.30
Updated as of November 21, 2009 1:21 AM

Borrowing Cost Comparison

	This Field Partner	Median for MFI Peers in Country	All Kiva Partners
Average Interest Rate and Fees Borrowers Pay (Portfolio Yield)	31%	36%	35.21%
Average Loan Size (% of Per Capita Income)	37%	41%	23.43%
Average Partner Return On Assets	4%	-8%	0.24%

Country Fast Facts

Country: Tanzania

Capital: Dar es Salaam

Official Language: Kiswahili or Swahili (official), Kiunguju (name for Swahili in Zanzibar), English (official, primary language of commerce, administration, and higher education), Arabic (widely spoken in Zanzibar), many local languages

Population: 36,588,225

Avg Annual Income: $723

Labor Force: agriculture 80%; industry and services 20%

Population Below Poverty Line: 36%

Literacy Rate: 78.20%

Infant Mortality Rate (per 1000): 102.13 deaths

Life Expectancy: 44.39 years

Currency: Tanzania Shillings

Exchange Rate: 1,330.0000 TZS = 1 USD