YAMIDA is a local foundation focused on building the institutional capacity of MFIs using the Grameen model to reduce poverty in Indonesia. It provides technical assistance, training, research, and consultancy. A fairly young foundation, it established its first branch in Aceh in September 2005. Outreach: Since September 2005, YAMIDA has opened 74 centers in 22 villages and is operating in the tsunami-affected sub-districts of Baitussalam, Darussalam, Ingin Jaya, and Kling Barona Jaya. As of August 2007, YAMIDA had 1,994 members. Grameen Foundation support: Grameen Foundation has provided $200,000 in funding since September 2005; $160,000 as zero percent loans to clients; a $35,000 grant for operating expenses; and approximately $5,000 in in-kind donations of computers and office equipment. Grameen Foundation is providing on-site technical assistance as well as assistance with implementing a management information system.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Sep 21, 2007 Oct 12, 2005
Total Loans $1,450 $948,590,975
Amount of raised Inactive loans $0 $375,825
Number of raised Inactive loans 0 261
Amount of Paying Back Loans $0 $141,979,900
Number of Paying Back Loans 0 175,166
Amount of Ended Loans $1,450 $806,235,250
Number of Ended Loans 13 1,011,122
Delinquency Rate 0.00% 8.10%
Amount in Arrears $0 $7,468,353
Outstanding Portfolio $0 $92,214,717
Number of Loans Delinquent 0 18,720
Default Rate 0.00% 1.40%
Amount of Ended Loans Defaulted $0 $11,312,347
Number of Ended Loans Defaulted 0 32,567
Currency Exchange Loss Rate 0.00% 0.46%
Amount of Currency Exchange Loss $0 $4,326,176
Refund Rate 0.00% 0.62%
Amount of Refunded Loans $0 $5,911,700
Number of Refunded Loans 0 5,950

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 100.00% 75.25%
Average Loan Size $112 $400
Average Individual Loan Size $112 $632
Average Group Loan Size $0 $1,765
Average number of borrowers per group 0 7.7
Average GDP per capita (PPP) in local country $5,200 $5,889
Average Loan Size / GDP per capita (PPP) 2.15% 6.79%
Average Time to Fund a Loan 0.06 days 6.92 days
Average Dollars Raised Per Day Per Loan $1,855.06 $57.76
  Average Loan Term 12 months 11.11 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 0 494,507
  Journaling Rate 0.00% 41.49%
  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 2009 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower N/A 40.00% PY 26.05% PY
  Profitability (return on assets) N/A 1.8% -0.82%
  Average Loan Size (% of per capita income) N/A 23.00% 17.16%

Country Fast Facts

Field Partner Staff

Slamet Riyadi
ria winardi
Ria Yamida