Help us reach $600,000 by December 31!

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Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

Partner Description

Accion Texas Inc. is an award-winning nonprofit organization established in 1994 in San Antonio. Accion has helped Texas and Louisiana entrepreneurs strengthen their businesses, stabilize and increase their incomes, create employment, and contribute to the economic revitalization of their communities. Learn more at

Our Mission

To provide credit and service to small businesses that do not have access to loans from commercial sources, and to provide leadership and service to the micro lending field on a national level.

Our Services

--Individual business loans from $500 to $100,000 for existing and start-up businesses.
--Business lines of credit from $5,000-$50,000 for established businesses with two years of financial history.

We provide underwriting services for nine other nonprofits across the United States.

We also run the South Texas Women’s Business Center, whose mission is to educate, support, and strengthen women and small business entrepreneurs in establishing and expanding their businesses through quality business technical assistance, counseling, and advocacy.

Our Impact

--Accion Texas Inc.’s micro loans create employment.  Since 1994, Accion Texas Inc. has helped to create or sustain more than 13,000 jobs.

--Between 1994 and 2012, Accion Texas Inc. made $139 million in loans.

--A 2009 study shows that $93.6 million in Accion Texas Inc. loans made between 1994 and 2009 produced $173.8 million in new economic activity, including earnings (payroll) of $55.2 million and state and local tax revenue of $10.1 million. These results represent a 60 percent social return on investment – every dollar loaned creates an average of 60 cents annually in new economic activity.
--The 2009 study also shows that those businesses that received a microloan with Accion Texas had a 74 percent survival rate, compared to 30 percent of firms that survived overall within the data.

--After three small loans with Accion Texas Inc., clients increase business equity by 22%, bring in 67% more in monthly business profits and increase take home pay by 44%.

Why Microlending in the U.S.?

Microlending—providing access to capital to those who are unable to access bank credit—is becoming an increasingly important strategy for helping low and moderate-income families. Income inequality continues to increase in the United States. Recent IRS data show that in 2005, the top 10 percent of Americans collectively earned almost as much as the bottom 50 percent of Americans. The poorest 20 percent of the population has only seen their real income increase by about 5 percent in the last 15 years—from $13,900 to $14,700. These families are finding it harder and harder to build a secure financial future—one with stable employment, a living wage, health insurance, savings, and homeownership.  

To gain greater control over their working lives, many families are turning to microbusiness. Research tells us that at least 1.8 million low income entrepreneurs do not have access to microfinance products. The demand is greater than ever. For the past year, Accion Texas Inc. has been lending up to $1 million every month in microloans. We are disbursing capital as fast as we can get it! Across the country new and established microentrepreneurs can create stronger businesses and a brighter future with access to capital. 

Microloans impact families and communities

It’s easy to see how a micro loan ripples across families, communities, and even generations. Our loans

--create jobs
--promote income stability
--improve credit scores
--help customers become bankable
--encourage new home ownership

They also benefit children who see at an early age how business works, becoming more likely to pursue higher education as family income grows.

How to get involved

Join the Accion Texas Inc. lending team

Donate to Accion Texas Inc.

Follow Accion Texas Inc. on twitter @ACCION_TX

Like Accion Texas Inc. on Facebook

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Oct 20, 2010 Oct 12, 2005
Total Loans $1,959,125 $623,429,475
Amount of raised Inactive loans $0 $397,000
Number of raised Inactive loans 0 344
Amount of Paying Back Loans $681,325 $120,374,175
Number of Paying Back Loans 122 131,480
Amount of Ended Loans $1,277,800 $502,658,300
Number of Ended Loans 241 633,553
Delinquency Rate 5.37% 4.89%
Amount in Arrears $20,870 $3,785,980
Outstanding Portfolio $388,766 $77,436,530
Number of loanDelinquent 39 17,993
Default Rate 18.49% 1.12%
Amount of Ended Loans Defaulted $236,324 $5,608,844
Amount of Ended Loans $1,277,800 $502,658,300
Number of Ended Loans Defaulted 57 17,329
Currency Exchange Loss Rate 0.00% 0.11%
Amount of Currency Exchange Loss $0 $679,886
Refund Rate 0.79% 0.74%
Amount of Refunded Loans $15,400 $4,587,900
Number of Refunded Loans 3 5,125

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 42.74% 74.18%
Average Loan Size $5,395 $418
Average Individual Loan Size $5,395 $654
Average Group Loan Size $0 $1,836
Average number of borrowers per group 0 8
Average GDP per capita (PPP) in local country $47,000 $3,409
Average Loan Size / GDP per capita (PPP) 11.48% 12.27%
Average Time to Fund a Loan 10.84 days 5.79 days
Average Dollars Raised Per Day Per Loan $497.72 $72.32
  Average Loan Term 27.98 months 10.51 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 69 312,728
  Journaling Rate 18.71% 42.15%
  Average Number of Comments Per Journal 0.41 0.07
  Average Number of Recommendations Per Journal 0.12 1.77

Borrowing Cost Comparison (based on 2012 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 17% PY N/A 33.35% PY
  Profitability (return on assets) 0.7% N/A -1.49%
  Average Loan Size (% of per capita income) 33.80% N/A 38.01%

Country Fast Facts

Field Partner Staff

Justin Allen
Janie Barrera
Brooke Cain
Mary Esther Hernandez
Arianne Evans
Gabriela Gonzalez
Michael Leos
Virginia M. Torres
Reid Martens
Olga Martinez
celina pena
Nelly Rojas
Angie Sanchez
Vanessa Sanchez
Kay Simpson
Ken Slavin
Elvira Valles