Hand in Hand Eastern Africa (HiH EA) is a registered, non-governmental organization in Kenya that works in poor, rural and suburban areas where people have little or no access to basic services and resources.
Focusing mainly women and youth, the organization aims to alleviate poverty through social mobilization as a means for enterprise and job creation, business training, value addition and market linkage support, and access to microfinance services.
A unique lending approach:
HiH EA targets poor, vulnerable individuals, who are living on less than $2 USD per day and are excluded from the existing financial services in poor rural and urban areas.
The organization has developed a 24-week enterprise development-training program that ensures each borrower has basic business and loan management skills prior to receiving a loan. Each loan on Kiva will be an Enterprise Incubation Fund (EIF) loan, which will help borrowers to start or enhance their enterprises.
HiH EA has specifically tried to target the client segment that most financial institutions shy away from in order to give low-income individuals opportunities they otherwise would not have access to. With Kiva’s support, HiH EA will be able to assist vulnerable individuals, particularly women and youth, to develop credit history, improve livelihood, ensure food security and increase income.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Jun 25, 2014 Oct 12, 2005
Total Loans $438,900 $733,103,625
Amount of raised Inactive loans $0 $307,625
Number of raised Inactive loans 0 241
Amount of Paying Back Loans $344,875 $135,542,175
Number of Paying Back Loans 1,091 156,465
Amount of Ended Loans $94,025 $597,253,825
Number of Ended Loans 381 740,556
Delinquency Rate 0.00% 9.50%
Amount in Arrears $0 $8,422,085
Outstanding Portfolio $212,654 $88,677,754
Number of Loans Delinquent 0 31,102
Default Rate 0.00% 1.17%
Amount of Ended Loans Defaulted $0 $6,986,114
Amount of Ended Loans $94,025 $597,253,825
Number of Ended Loans Defaulted 0 20,018
Currency Exchange Loss Rate 0.33% 0.29%
Amount of Currency Exchange Loss $1,463 $2,153,504
Refund Rate 0.00% 0.67%
Amount of Refunded Loans $0 $4,933,650
Number of Refunded Loans 0 5,440

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 80.56% 74.48%
Average Loan Size $150 $416
Average Individual Loan Size $158 $652
Average Group Loan Size $463 $1,849
Average number of borrowers per group 3.2 8
Average GDP per capita (PPP) in local country $1,800 $5,942
Average Loan Size / GDP per capita (PPP) 8.31% 7.00%
Average Time to Fund a Loan 6.23 days 6.48 days
Average Dollars Raised Per Day Per Loan $24.00 $64.21
  Average Loan Term 10.38 months 10.8 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 191 362,000
  Journaling Rate 34.77% 41.45%
  Average Number of Comments Per Journal 0.00 0.06
  Average Number of Recommendations Per Journal 0.00 1.53

Borrowing Cost Comparison (based on 2013 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 35% APR 36.00% PY 31.73% PY
  Profitability (return on assets) N/A 0.5% -0.77%
  Average Loan Size (% of per capita income) N/A 56.00% 19.33%

Country Fast Facts

Field Partner Staff

Daniel Mwaniki
John Ndungu
Pauline Ngari
Caroline Ngonge
Jane Wamutira
Allan Waweru

Kiva Fellow(s)

Alan Mathers