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 $175,450 $664,307,050
Amount of raised Inactive loans $0 $408,175
Number of raised Inactive loans 0 263
Amount of Paying Back Loans $164,225 $128,106,500
Number of Paying Back Loans 585 141,221
Amount of Ended Loans $11,225 $535,792,375
Number of Ended Loans 52 670,348
Delinquency Rate 0.00% 5.51%
Amount in Arrears $0 $4,566,547
Outstanding Portfolio $118,436 $82,883,972
Number of Loans Delinquent 0 16,321
Default Rate 1.49% 1.11%
Amount of Ended Loans Defaulted $167 $5,933,083
Amount of Ended Loans $11,225 $535,792,375
Number of Ended Loans Defaulted 1 17,763
Currency Exchange Loss Rate 0.00% 0.17%
Amount of Currency Exchange Loss $0 $1,106,295
Refund Rate 0.00% 0.71%
Amount of Refunded Loans $0 $4,686,425
Number of Refunded Loans 0 5,208

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 81.89% 74.22%
Average Loan Size $137 $417
Average Individual Loan Size $146 $655
Average Group Loan Size $420 $1,841
Average number of borrowers per group 3.1 8
Average GDP per capita (PPP) in local country $1,800 $3,389
Average Loan Size / GDP per capita (PPP) 7.61% 12.31%
Average Time to Fund a Loan 3.28 days 6.05 days
Average Dollars Raised Per Day Per Loan $41.76 $69.01
  Average Loan Term 10.13 months 10.62 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 15 328,412
  Journaling Rate 12.20% 41.77%
  Average Number of Comments Per Journal 0.00 0.07
  Average Number of Recommendations Per Journal 0.00 1.69

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 33.02% PY
  Profitability (return on assets) N/A 0.5% -0.68%
  Average Loan Size (% of per capita income) N/A 56.00% 36.66%

Country Fast Facts

Field Partner Staff

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

Kiva Fellow(s)

Sheryl Onopchenko