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:

Campaign for Female Education (Camfed) is an international nonprofit organization that focuses on eradicating poverty in rural Africa by investing in education for girls and supporting the economic self-reliance and leadership of young women. Founded in the UK and Zimbabwe 20 years ago, Camfed’s Model is one of partnership – with government departments, schools, traditional and civic authorities, parents and children – through which communities design and drive solutions that advance educational, social and economic progress.

The organization operates in five African countries: Zimbabwe, Ghana, Malawi, Tanzania and Zambia. In 2012, Camfed improved the educational status of over 2 million children and young people through a network of 4,743 schools. Alongside direct support to girls and vulnerable boys to go to school, Camfed invests in improving the quality of education through resources and child protection and teacher training initiatives. This is particularly impactful in Africa, where the reluctance of many urban-educated teachers to take jobs in rural communities for long periods and the dearth of rural-educated teachers undermines the quality of the rural school system.

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Kiva lenders’ funds are used to help women living in rural Zimbabwe to expand their businesses, become more self-reliant, and simultaneously help young girls access quality education. In exchange for receiving capital and business support to establish profit-making enterprises, women borrowers will commit to repaying in social capital as volunteer teaching assistants in local high schools. Borrowers will teach girls Math, English and a Wellbeing Curriculum that covers critical skills including decision-making, problem solving, leadership, entrepreneurship, resilience, communication skills and empathy. In this way, Camfed borrowers will thus pay the “interest” on their loan in the form of social change.

Camfed’s impact:

The girls Camfed supports are identified by their communities based on need and potential. The organization helps them at every stage of their development, from primary school through adulthood. Its comprehensive programs enable girls to get into school, excel academically and maximize the value of their education after they graduate. By helping the most vulnerable and marginalized members of a community, Camfed is able to help develop school environments that benefit all students.

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Camfed begins by providing the school fees, supplies and uniforms that many girls’ families can’t afford. Through its extended network -- including trained school mentors -- the organization ensures that girls are fully supported emotionally and academically. This is especially vital for children who have been orphaned or are the heads of their households. After they graduate from secondary school, Camfed helps them learn how to manage money and launch small businesses. Finally, it offers them the ability to join the Cama alumni network. Cama members share a common commitment to supporting each other and giving back to their rural communities as leaders, trainers, entrepreneurs, health activists, students, professionals and champions of information and communications technology.

Awards and honors:

As part of its 800th anniversary celebration, the University of Cambridge named Camfed as its Charity of the Year. Camfed USA earned the highest rating awarded by Charity Navigator for its efficient financial practices. Additionally, former Camfed bursary recipient Abigail Kaindu was appointed as one of 10 global youth advocates to the United Nations Secretary General's Youth Advocacy Panel, part of a new Education First Initiative to put every child in school.

Images courtesy of Camfed.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Aug 15, 2013 Oct 12, 2005
Total Loans $838,000 $604,062,050
Amount of raised Inactive loans $0 $524,650
Number of raised Inactive loans 0 440
Amount of Paying Back Loans $660,500 $119,195,225
Number of Paying Back Loans 1,321 128,510
Amount of Ended Loans $177,500 $484,342,175
Number of Ended Loans 345 612,364
Delinquency Rate 1.47% 4.13%
Amount in Arrears $7,332 $3,197,480
Outstanding Portfolio $497,133 $77,511,205
Number of loanDelinquent 63 13,871
Default Rate 0.00% 1.11%
Amount of Ended Loans Defaulted $0 $5,357,808
Amount of Ended Loans $177,500 $484,342,175
Number of Ended Loans Defaulted 0 16,820
Currency Exchange Loss Rate 0.00% 0.09%
Amount of Currency Exchange Loss $0 $572,886
Refund Rate 0.84% 0.75%
Amount of Refunded Loans $7,000 $4,553,925
Number of Refunded Loans 14 5,085

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 100.00% 74.22%
Average Loan Size $503 $419
Average Individual Loan Size $503 $656
Average Group Loan Size $0 $1,830
Average number of borrowers per group 0 8
Average GDP per capita (PPP) in local country $400 $3,423
Average Loan Size / GDP per capita (PPP) 125.75% 12.23%
Average Time to Fund a Loan 9.46 days 5.69 days
Average Dollars Raised Per Day Per Loan $53.14 $73.54
  Average Loan Term 6.71 months 10.4 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 332 301,704
  Journaling Rate 61.15% 42.39%
  Average Number of Comments Per Journal 0.00 0.08
  Average Number of Recommendations Per Journal 0.00 1.84

Borrowing Cost Comparison (based on 2013 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 0% APR 59.00% PY 33.16% PY
  Profitability (return on assets) -0.3% N/A -1.43%
  Average Loan Size (% of per capita income) N/A 138.00% 40.41%

Country Fast Facts

Field Partner Staff

Sinikiwe Makove
Gabriela Perry
Sandra Spence