Help us reach $600,000 by December 31!

Kiva facilitates loans to more than 4,000 borrowers every week, but since Kiva doesn't take a fee on your loans we rely on donations from lenders like you to keep doing this important work. If every Kiva lender seeing this banner pitched in $20 for our Donation Drive, we'd hit our goal of $600,000 by Dec 31! Please help us reach our goal!

Update from Kiva

In May 2008, Kiva closed its partnership with Urban Ministry in good standing.

Original description

Urban Ministry Jos is a non-governmental and not-for-profit organization founded in 1991. It was started by a joint partnership between the Christian Reformed World Relief committee (CRWRC), the Christian Reformed World Mission (CRWM) and local churches.

Urban Ministry's mission is to bridge the poverty gap between rural and the urban dwellers by focusing on empowerment through access to credit facilities and enterprise development assistance. The following are the 4 core program initiatives:

  • Income Generation (micro finance)
  • Adult Literacy
  • Health education (nutrition, HIV/AIDS, etc)
  • Advocacy/Value formation
  • Urban Ministry can be contacted via email at

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Apr 19, 2007 Oct 12, 2005
Total Loans $4,900 $623,429,475
Amount of raised Inactive loans $0 $397,000
Number of raised Inactive loans 0 344
Amount of Paying Back Loans $0 $120,374,175
Number of Paying Back Loans 0 131,480
Amount of Ended Loans $4,900 $502,658,300
Number of Ended Loans 6 633,553
Delinquency Rate 0.00% 4.89%
Amount in Arrears $0 $3,785,980
Outstanding Portfolio $0 $77,436,530
Number of loanDelinquent 0 17,993
Default Rate 0.00% 1.12%
Amount of Ended Loans Defaulted $0 $5,608,844
Amount of Ended Loans $4,900 $502,658,300
Number of Ended Loans Defaulted 0 17,329
Currency Exchange Loss Rate 0.00% 0.11%
Amount of Currency Exchange Loss $0 $679,886
Refund Rate 0.00% 0.74%
Amount of Refunded Loans $0 $4,587,900
Number of Refunded Loans 0 5,125

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 83.33% 74.18%
Average Loan Size $817 $418
Average Individual Loan Size $817 $654
Average Group Loan Size $0 $1,836
Average number of borrowers per group 0 8
Average GDP per capita (PPP) in local country $1,188 $3,409
Average Loan Size / GDP per capita (PPP) 68.74% 12.27%
Average Time to Fund a Loan 0.67 days 5.79 days
Average Dollars Raised Per Day Per Loan $1,213.15 $72.32
  Average Loan Term 12 months 10.51 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 15 312,728
  Journaling Rate 100.00% 42.15%
  Average Number of Comments Per Journal 3.73 0.07
  Average Number of Recommendations Per Journal 1.80 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 N/A 39.00% PY 33.35% PY
  Profitability (return on assets) N/A 2.5% -1.49%
  Average Loan Size (% of per capita income) N/A 43.00% 38.01%

Country Fast Facts

Field Partner Staff

Kyle Abts
Moses Dahirong
Azi Samuel