iDE is an international non-profit organization that currently operates 11 country programs in Asia, Africa, and Latin America. iDE has a unique market-based approach to poverty reduction, iDE helps to build profitable enterprises and value chains that deliver sustainable social and economic benefits to the rural poor, enabling them to increase their income and improve their quality of life.
 
To date, the hard work and vision of iDE staff throughout the world have helped more than 19 million people lift themselves permanently out of poverty.
 
A unique lending approach:
 
iDE Cambodia has developed two loan products with Kiva.
 
The first is a micro-franchise model for delivering high-quality agricultural inputs and technical advice to poor farmers through private Farm Business Advisors (FBAs). These FBA’s are independent micro-entrepreneurs trained by iDE to encourage and equip farmers to grow market-oriented crops. FBAs analyze individual farm enterprises to identify opportunities, which are matched with products and services in the FBA toolkit. The toolkit includes a range of products and advice to provide farmers. Since introducing the Farm Business Advisor model in 2005, the network has grown to include about 130 FBAs that serves more than 14,000 farm households.
 
The other loan product that iDE offers is used to enable rural households to purchase Hydrologic ceramic water filters. This loan product will enable households to buy a ceramic water filter that will improve the health of rural households by providing sustained access to safe drinking water.
 
With Kiva’s support, iDE Cambodia will be able to implement these two models and reach a wider range of rural households.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Feb 4, 2014 Oct 12, 2005
Total Loans $2,238,400 $950,163,500
Amount of raised Inactive loans $0 $380,025
Number of raised Inactive loans 0 253
Amount of Paying Back Loans $898,000 $143,384,925
Number of Paying Back Loans 5,671 176,947
Amount of Ended Loans $1,340,400 $806,398,550
Number of Ended Loans 8,393 1,011,339
Delinquency Rate 4.30% 7.90%
Amount in Arrears $24,132 $7,392,890
Outstanding Portfolio $560,678 $93,612,730
Number of Loans Delinquent 575 18,512
Default Rate 0.07% 1.40%
Amount of Ended Loans Defaulted $990 $11,324,683
Number of Ended Loans Defaulted 37 32,583
Currency Exchange Loss Rate 0.00% 0.46%
Amount of Currency Exchange Loss $0 $4,326,176
Refund Rate 0.04% 0.62%
Amount of Refunded Loans $850 $5,912,425
Number of Refunded Loans 6 5,951

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 75.16% 75.25%
Average Loan Size $46 $400
Average Individual Loan Size $450 $632
Average Group Loan Size $159 $1,766
Average number of borrowers per group 3.4 7.7
Average GDP per capita (PPP) in local country $2,600 $5,889
Average Loan Size / GDP per capita (PPP) 1.77% 6.79%
Average Time to Fund a Loan 1.49 days 6.93 days
Average Dollars Raised Per Day Per Loan $30.94 $57.67
  Average Loan Term 6.67 months 11.11 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 29 494,959
  Journaling Rate 0.31% 41.50%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.00 1.18

Borrowing Cost Comparison (based on 2015 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 28% APR 30.00% PY 26.03% PY
  Profitability (return on assets) 4% 4.6% -0.81%
  Average Loan Size (% of per capita income) N/A 184.00% 17.16%

Country Fast Facts

Field Partner Staff

Maiwenn Altermatt
Hak Doungseavmey
Rachel Pringle
Ho Chhorporn Reangsey