Uberis Capital is an impact investing venture capital firm that supports high-growth social enterprises in Cambodia, Laos, Vietnam, Philippines, Myanmar and Indonesia. The firm seeks to benefit low-income populations by supporting social enterprises that create jobs and training opportunities, primarily in the areas of smallholder agriculture, rural energy, household improvement and hospitality. 
 
A unique lending approach:

Uberis Capital’s for-profit “Impact Fund” makes equity investments to social enterprises. Kiva funding allows Uberis to run a “Venture Fund” that targets smaller, less mature social enterprises with financing needs between $20,000 and $50,000. The Venture Fund would not generate profits for Uberis Capital, but could act as an incubator for future investments by the Impact Fund. 



These enterprises are too big for traditional microfinance loans and too small for most impact investors. Bank loans, if available at all, are often prohibitively expensive. Patient, risk-tolerant capital is needed to fill this gap, often referred to as the “missing middle.” 

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Jul 7, 2014 Oct 12, 2005
Total Loans $20,000 $625,070,650
Amount of raised Inactive loans $0 $371,925
Number of raised Inactive loans 0 311
Amount of Paying Back Loans $20,000 $121,669,425
Number of Paying Back Loans 1 133,038
Amount of Ended Loans $0 $503,029,300
Number of Ended Loans 0 633,907
Delinquency Rate 3.00% 4.76%
Amount in Arrears $600 $3,751,762
Outstanding Portfolio $20,000 $78,748,351
Number of loanDelinquent 1 17,806
Default Rate 0.00% 1.11%
Amount of Ended Loans Defaulted $0 $5,607,499
Amount of Ended Loans $0 $503,029,300
Number of Ended Loans Defaulted 0 17,326
Currency Exchange Loss Rate 0.00% 0.11%
Amount of Currency Exchange Loss $0 $679,982
Refund Rate 0.00% 0.73%
Amount of Refunded Loans $0 $4,592,300
Number of Refunded Loans 0 5,127

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 100.00% 74.18%
Average Loan Size $20,000 $418
Average Individual Loan Size $20,000 $654
Average Group Loan Size $0 $1,837
Average number of borrowers per group 0 8
Average GDP per capita (PPP) in local country $2,600 $3,409
Average Loan Size / GDP per capita (PPP) 769.23% 12.27%
Average Time to Fund a Loan 2.89 days 5.79 days
Average Dollars Raised Per Day Per Loan $6,927.38 $72.20
  Average Loan Term 21 months 10.52 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 1 313,554
  Journaling Rate 0.00% 42.15%
  Average Number of Comments Per Journal 0.00 0.07
  Average Number of Recommendations Per Journal 0.00 1.77

Borrowing Cost Comparison (based on 2009 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 10% APR 30.00% PY 33.35% PY
  Profitability (return on assets) N/A 4.6% -1.49%
  Average Loan Size (% of per capita income) N/A 184.00% 38.01%

Country Fast Facts

Field Partner Staff

Cyrille Antignac
Claire Beatley