Nazava Water Filters
Approved to post Kiva loans from: Indonesia
Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.
Partner Description:
Nazava Water Filters is a for-profit social enterprise that sells affordable and safe household water filters in Indonesia. Today, it has about 45 resellers in over 30 cities throughout the country. These resellers finance themselves to build their businesses and increase water filter adoption in poor, rural areas. That’s where Kiva comes in.
Kiva loans will enable resellers to purchase more goods at one time so that they can scale faster and save on shipping costs. This lowers filter prices for end users and optimizes income for resellers, who receive loans at 0% interest and can choose whether to repay on a weekly, bi-monthly or monthly basis.
Resellers who take out loans repay via bank transfer, eliminating the need for collection officers. However, Navaza conducts weekly calls with these clients to discuss any issues or complaints and to collect new orders.
Water filters solve major problems for rural Indonesians. Virtually all water sources available to households (wells, piped water, rain collection) serve up water that is unsuitable for consumption without some form of treatment. In rural areas, 95% of the population boils drinking water -- an expensive process. Indonesian households spend an estimated 8% of their income on drinking water, but health concerns still arise. More than 150,000 children still die from water-related diseases like diarrhea every year.
Nazava’s core product is the Tulip, a ceramic filter candle that is mixed with colloidal silver and filled with activated carbon. Using this technology, households can filter their own tap, well, river or rain water. All of these filters come with an Indonesian-language user manual with clear directions, an indicator for filter replacement, and a one-year warranty card.
Tulip-filtered water is safe to drink and has been used successfully during cholera outbreaks in Haiti and Zimbabwe. All test reports on the Tulip can be found here on Nazava's website.
Nazava sells its products through NGOs and other international organizations like the World Bank and UNICEF, but 60% are sold through its network of resellers.
After 43 months on Kiva and 169 loans fundraised, Nazava Water Filters has graduated out of Kiva's Experimental Partnership program and been given a risk rating of 1.5 stars.
Partner Description:
Nazava Water Filters is a for-profit social enterprise that sells affordable and safe household water filters in Indonesia. Today, it has about 45 resellers in over 30 cities throughout the country. These resellers finance themselves to build their businesses and increase water filter adoption in poor, rural areas. That’s where Kiva comes in.
Kiva loans will enable resellers to purchase more goods at one time so that they can scale faster and save on shipping costs. This lowers filter prices for end users and optimizes income for resellers, who receive loans at 0% interest and can choose whether to repay on a weekly, bi-monthly or monthly basis.
Resellers who take out loans repay via bank transfer, eliminating the need for collection officers. However, Navaza conducts weekly calls with these clients to discuss any issues or complaints and to collect new orders.
Water filters solve major problems for rural Indonesians. Virtually all water sources available to households (wells, piped water, rain collection) serve up water that is unsuitable for consumption without some form of treatment. In rural areas, 95% of the population boils drinking water -- an expensive process. Indonesian households spend an estimated 8% of their income on drinking water, but health concerns still arise. More than 150,000 children still die from water-related diseases like diarrhea every year.
Nazava’s core product is the Tulip, a ceramic filter candle that is mixed with colloidal silver and filled with activated carbon. Using this technology, households can filter their own tap, well, river or rain water. All of these filters come with an Indonesian-language user manual with clear directions, an indicator for filter replacement, and a one-year warranty card.
Tulip-filtered water is safe to drink and has been used successfully during cholera outbreaks in Haiti and Zimbabwe. All test reports on the Tulip can be found here on Nazava's website.
Nazava sells its products through NGOs and other international organizations like the World Bank and UNICEF, but 60% are sold through its network of resellers.
After 43 months on Kiva and 169 loans fundraised, Nazava Water Filters has graduated out of Kiva's Experimental Partnership program and been given a risk rating of 1.5 stars.
Repayment Performance on Kiva
| This Field Partner | All Kiva Partners | ||
| Start Date On Kiva | Nov 14, 2012 | Oct 12, 2005 | |
|---|---|---|---|
| Total Loans | $263,950 | $994,173,925 | |
| Amount of raised Inactive loans | $1,025 | $246,850 | |
| Number of raised Inactive loans | 5 | 286 | |
| Amount of Paying Back Loans | $61,800 | $153,984,725 | |
| Number of Paying Back Loans | 56 | 196,046 | |
| Amount of Ended Loans | $201,125 | $839,942,350 | |
| Number of Ended Loans | 177 | 1,055,629 | |
| Delinquency Rate | 26.21% | 8.66% | |
| Amount in Arrears | $13,605 | $8,865,405 | |
| Outstanding Portfolio | $51,915 | $102,333,532 | |
| Number of Loans Delinquent | 11 | 30,827 | |
| Default Rate | 0.12% | 1.42% | |
| Amount of Ended Loans Defaulted | $245 | $11,900,367 | |
| Number of Ended Loans Defaulted | 1 | 34,261 | |
| Currency Exchange Loss Rate | 0.06% | 0.45% | |
| Amount of Currency Exchange Loss | $170 | $4,517,245 | |
| Refund Rate | 0.00% | 0.60% | |
| Amount of Refunded Loans | $0 | $5,985,075 | |
| Number of Refunded Loans | 0 | 6,003 |
Loan Characteristics On Kiva
| This Field Partner | All Kiva Partners | ||
| Loans to Women Borrowers | 72.87% | 75.51% | |
|---|---|---|---|
| Average Loan Size | $1,109 | $398 | |
| Average Individual Loan Size | $1,109 | $627 | |
| Average Group Loan Size | $0 | $1,756 | |
| Average number of borrowers per group | 0 | 7.7 | |
| Average GDP per capita (PPP) in local country | $5,200 | $5,871 | |
| Average Loan Size / GDP per capita (PPP) | 21.33% | 6.78% | |
| Average Time to Fund a Loan | 2.09 days | 6.92 days | |
| Average Dollars Raised Per Day Per Loan | $530.57 | $57.53 | |
| Average Loan Term | 8.21 months | 11.13 months |
Journaling Performance on Kiva
| This Field Partner | All Kiva Partners | ||
| Total Journals | 33 | 519,327 | |
|---|---|---|---|
| Journaling Rate | 13.10% | 41.10% | |
| Average Number of Comments Per Journal | 0.00 | 0.05 | |
| Average Number of Recommendations Per Journal | 0.00 | 1.14 |
Borrowing Cost Comparison (based on 2016 data)
| This Field Partner | Median for MFI's in Country | All Kiva Partners | ||
| Average Cost to Borrower | 0% APR | 40.00% PY | 26.33% PY | |
|---|---|---|---|---|
| Profitability (return on assets) | -19% | 1.8% | -1.14% | |
| Average Loan Size (% of per capita income) | N/A | 23.00% | 16.31% |
Country Fast Facts
- Country:
- Indonesia
- Capital:
- Jakarta
- Official Language:
- Bahasa (official, modified form of Malay), English, Dutch
- Population:
- 253,609,643
- Avg Annual Income:
- $5,200
- Labor Force:
- agriculture: 38.9%, industry: 13.2%, services: 47.9%
- Population Below Poverty Line:
- 11.70%
- Literacy Rate:
- 92.80%
- Infant Mortality Rate (per 1000):
- 25.16 deaths
- Life Expectancy:
- 72.17 years
Field Partner Staff
Syahri AbdillahLieselotte Heederik
Hazim Mohamad
Gita Nurul
Guido van Hofwegen