Partner description:
Living Goods is a non-profit organization founded in 2007­ to improve the lives of people in the developing world by creating a delivery system for life-saving, essential health products. They are headquartered in California with offices in Uganda and Kenya. 
 
Living Goods creates and trains networks of micro-entrepreneurs who go door-to-door teaching families how to improve their health and wealth in developing countries. The entrepreneurs sell products like simple treatments for malaria and diarrhea, fortified foods, safe birthing kits, clean cook stoves and solar lights. As they work to improve the lives of their customers, Living Goods agents also significantly improve their own incomes, confidence and leadership in their communities. 
 
A unique lending approach:
Living Goods loans posted on Kiva will be used by groups of borrowers to purchase consumer goods like clean cookstoves, water filters and solar products for distribution.
 
The borrowers then go door to door and educate their neighbors  about the health and income benefits of the products. Cookstoves reduce the cost of wood and charcoal for a household, and reduce indoor air pollution. Solar products reduce the cost of kerosene and also reduce indoor air pollution. Water filters reduce incidence of diarrhea and other water-borne disease.
 
Living Goods entrepreneurs also provide other high-impact services such as pregnancy support, family planning and nutrition education to their neighbors.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Jun 24, 2014 Oct 12, 2005
Total Loans $3,950 $719,633,750
Amount of raised Inactive loans $0 $521,675
Number of raised Inactive loans 0 351
Amount of Paying Back Loans $2,675 $132,195,475
Number of Paying Back Loans 13 151,712
Amount of Ended Loans $1,275 $586,916,600
Number of Ended Loans 5 727,730
Delinquency Rate 100.00% 7.41%
Amount in Arrears $1,067 $6,319,502
Outstanding Portfolio $1,067 $85,269,409
Number of Loans Delinquent 13 20,931
Default Rate 0.00% 1.14%
Amount of Ended Loans Defaulted $0 $6,699,908
Amount of Ended Loans $1,275 $586,916,600
Number of Ended Loans Defaulted 0 19,481
Currency Exchange Loss Rate 0.00% 0.27%
Amount of Currency Exchange Loss $0 $1,945,073
Refund Rate 0.00% 0.68%
Amount of Refunded Loans $0 $4,898,125
Number of Refunded Loans 0 5,415

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 84.21% 74.39%
Average Loan Size $46 $416
Average Individual Loan Size $50 $653
Average Group Loan Size $229 $1,848
Average number of borrowers per group 5 8
Average GDP per capita (PPP) in local country $1,800 $5,938
Average Loan Size / GDP per capita (PPP) 2.55% 7.01%
Average Time to Fund a Loan 0.07 days 6.36 days
Average Dollars Raised Per Day Per Loan $640.68 $65.43
  Average Loan Term 3.68 months 10.77 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 0 353,817
  Journaling Rate 0.00% 41.33%
  Average Number of Comments Per Journal 0.00 0.07
  Average Number of Recommendations Per Journal 0.00 1.57

Borrowing Cost Comparison (based on 2013 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 30% APR 36.00% PY 32.02% PY
  Profitability (return on assets) N/A 0.5% -1.84%
  Average Loan Size (% of per capita income) N/A 56.00% 19.57%

Country Fast Facts

Field Partner Staff

Shaun Church
Naomi Nyanchama