Sistema Biobolsa
Mexico
Sistema Biobolsa (legal name: Buen Manejo del Campo) manufactures and distributes small-scale, affordable biodigester systems that transform livestock waste into organic fertilizer for crops and biogas for cooking, heat and electricity.
The company believes that small, sustainable farms are the key to food security and economic prosperity in rural areas. To support these farmers, Sistema Biobolsa not only sells its equipment, it also trains rural families on how to use the biodigesters in order to process their waste and create energy.
Sistema Biobolsa offers a loan program to help farmers spread out their payments for biodigesters over a period of six or more months, allowing the system to “pay for itself” during the repayment period. These 0% interest loans are valuable to rural families that could never otherwise afford the high upfront costs of biodigesters, no matter how much they might save in the long run. Kiva loans provide a source risk-tolerant, flexible capital to help these farmers purchase Sistema Biobolsa equipment.
Sistema Biobolsa saves farmers money by replacing costly sources of energy and damaging chemical fertilizers. After loans are repaid, these savings continue. This financing program is promoted through local education programs that also teach farmers how to install and maintain their biodigesters.
Sistema Biobolsa provides several other distinct benefits:
1) Better health: Biogas displaces wood fuel for cooking, reducing exposure to indoor air contamination -- a major cause of respiratory health issues and the related deaths of millions of women and children worldwide.
2) Cleaner drinking water: Both animal waste and chemical fertilizers increase nitrogen and organic loading in drinking water and local watersheds, a source of enteric diseases and other health issues. Biodigesters provide a waste treatment solution that displaces these fertilizers.
3) Improved productivity: Biogas provides a free source of energy that allows farmers to diversify their products by making other goods like cheese and yogurt. High volumes of organic fertilizers produced by biodigesters also allow them to improve crop productivity while reducing expenses.
4) Quality of life: Biodigesters consume and contain livestock waste, eliminating unpleasant odors and insects.
5) Environmental sustainability: In general, biodigesters cut down on greenhouse gas emissions, prevent watershed contamination, and reduce deforestation.
When aggregated, these benefits can have a major positive impact on whole communities, regions -- and even globally.
Sistema Biobolsa’s loan program began in early 2011, built on the fact that economic savings made possible by biodigesters could be used to pay back loans. However, because the company’s core business is not microfinance -- and because its partnership with Kiva is unique and unprecedented -- Kiva is unable to assign it a risk rating.
The company believes that small, sustainable farms are the key to food security and economic prosperity in rural areas. To support these farmers, Sistema Biobolsa not only sells its equipment, it also trains rural families on how to use the biodigesters in order to process their waste and create energy.
Sistema Biobolsa offers a loan program to help farmers spread out their payments for biodigesters over a period of six or more months, allowing the system to “pay for itself” during the repayment period. These 0% interest loans are valuable to rural families that could never otherwise afford the high upfront costs of biodigesters, no matter how much they might save in the long run. Kiva loans provide a source risk-tolerant, flexible capital to help these farmers purchase Sistema Biobolsa equipment.
Sistema Biobolsa saves farmers money by replacing costly sources of energy and damaging chemical fertilizers. After loans are repaid, these savings continue. This financing program is promoted through local education programs that also teach farmers how to install and maintain their biodigesters.
Sistema Biobolsa provides several other distinct benefits:
1) Better health: Biogas displaces wood fuel for cooking, reducing exposure to indoor air contamination -- a major cause of respiratory health issues and the related deaths of millions of women and children worldwide.
2) Cleaner drinking water: Both animal waste and chemical fertilizers increase nitrogen and organic loading in drinking water and local watersheds, a source of enteric diseases and other health issues. Biodigesters provide a waste treatment solution that displaces these fertilizers.
3) Improved productivity: Biogas provides a free source of energy that allows farmers to diversify their products by making other goods like cheese and yogurt. High volumes of organic fertilizers produced by biodigesters also allow them to improve crop productivity while reducing expenses.
4) Quality of life: Biodigesters consume and contain livestock waste, eliminating unpleasant odors and insects.
5) Environmental sustainability: In general, biodigesters cut down on greenhouse gas emissions, prevent watershed contamination, and reduce deforestation.
When aggregated, these benefits can have a major positive impact on whole communities, regions -- and even globally.
Sistema Biobolsa’s loan program began in early 2011, built on the fact that economic savings made possible by biodigesters could be used to pay back loans. However, because the company’s core business is not microfinance -- and because its partnership with Kiva is unique and unprecedented -- Kiva is unable to assign it a risk rating.
Repayment Performance on Kiva
Repayment Performance on Kiva| This Field Partner | All Kiva Partners | ||
| Start Date On Kiva | May 4, 2012 | Oct 12, 2005 | |
|---|---|---|---|
| Total Loans | $90,375 | $422,858,225 | |
| Amount of Raised Inactive Loans | $0 | $258,525 | |
| Number Of Raised Inactive Loans | 0 | 227 | |
| Amount of Paying Back Loans | $67,525 | $91,306,800 | |
| Number Of Paying Back Loans | 64 | 99,215 | |
| Amount of Ended Loans | $22,850 | $331,292,900 | |
| Number Of Ended Loans | 17 | 434,304 | |
| Delinquency Rate | 0.00% | 2.22% | |
| Amount In Arrears | $0 | $1,280,358 | |
| Outstanding Portfolio | $24,454 | $57,625,985 | |
| Number of Loans Delinquent | 0 | 10,235 | |
| Default Rate | 0.00% | 0.97% | |
| Amount of Ended Loans Defaulted | $0 | $3,220,059 | |
| Amount of Ended Loans | $22,850 | $331,292,900 | |
| Number Of Ended Loans Defaulted | 0 | 9,823 | |
| Currency Exchange Loss Rate | 0.00% | 0.02% | |
| Amount of Currency Exchange Loss | $0 | $77,435 | |
| Refund Rate | 0.00% | 0.96% | |
| Amount of Refunded Loans | $0 | $4,068,925 | |
| Number Of Refunded Loans | 0 | 4,589 |
Loan Characteristics On Kiva
Loan Characteristics On Kiva| This Field Partner | All Kiva Partners | ||
| Loans To Women Entrepreneurs | 17.28% | 74.05% | |
|---|---|---|---|
| Average Loan Size | $1,116 | $406 | |
| Average Individual Loan Size | $1,116 | $645 | |
| Average Group Loan Size | $0 | $1,741 | |
| Average Number Of Entrepreneurs Per Group | 0 | 8 | |
| Average GDP Per Capita (PPP) in Local Country | $11,249 | $3,346 | |
| Average Loan Size / GDP Per Capita (PPP) | 9.92% | 12.14% | |
| Average Time To Fund A Loan | 0.88 days | 4.69 days | |
| Average Dollars Raised Per Day Per Loan | $1,267.74 | $86.56 | |
| Average Loan Term | 7.79 months | 9.6 months |
Journaling Performance on Kiva
Journaling Performance on Kiva| This Field Partner | All Kiva Partners | ||
| Total Journals | 28 | 202,696 | |
|---|---|---|---|
| Journaling Rate | 48.94% | 39.94% | |
| Average Number Of Comments Per Journal | 0.00 | 0.11 | |
| Average Number Of Recommendations Per Journal | 0.00 | 2.73 |
Borrowing Cost Comparison (based on 2009 data)
Borrowing Cost Comparison (based on 2009 data)| This Field Partner | Median for MFI Peers in Country | All Kiva Partners | ||
| Portfolio Yield | N/A | N/A | 35.14% | |
|---|---|---|---|---|
| Profitability (Return on Assets) | N/A | N/A | -0.41% | |
| Average Loan Size (% of Per Capita Income) | N/A | 3.30% | 46.81% |
Country Fast Facts
Country Fast Facts- Country:
- Mexico
- Capital:
- Mexico (Distrito Federal)
- Official Language:
- Spanish, various Mayan, Nahuatl, and other regional indigenous languages
- Population:
- 107,449,525
- Avg Annual Income:
- $11,249
- Labor Force:
- agriculture 18%; industry 24%; services 58%
- Population Below Poverty Line:
- 10%
- Literacy Rate:
- 92.2
- Infant Mortality Rate (per 1000):
- 20.26 deaths
- Life Expectancy:
- 75.41 years
Field Partner Staff
Humza ArshadAlex Eaton
Sandra Estrada
Eleazar Ortiz
Camilo Pagés
Paul Ricketts