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Partner Description:


Nazava Water Filters is a for-profit social enterprise that sells affordable and safe household water filters in Indonesia and Kenya. 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 enable resellers to purchase more goods at once to 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 and Kenyans. 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 of Indonesia, 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.


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.


Repayment Performance on Kiva

    This Lending Partner All Kiva Partners
  Start Date On Kiva Nov 14, 2012 Oct 12, 2005
Total Loans $678,500 $1,958,960,270
Amount of raised Inactive loans $0 $198,810
Number of raised Inactive loans 0 174
Amount of Paying Back Loans $105,875 $161,515,145
Number of Paying Back Loans 6 189,106
Amount of Ended Loans $572,625 $1,768,242,580
Number of Ended Loans 390 2,370,068
Delinquency Rate 32.97% 12.15%
Amount in Arrears $34,680 $12,196,492
Outstanding Portfolio $103,187 $100,379,645
Number of Loans Delinquent 3 72,762
Default Rate 4.64% 1.83%
Amount of Ended Loans Defaulted $26,567 $32,307,398
Number of Ended Loans Defaulted 35 84,791
Currency Exchange Loss Rate 0.04% 0.50%
Amount of Currency Exchange Loss $248 $11,998,745
Refund Rate 0.00% 0.54%
Amount of Refunded Loans $0 $10,526,300
Number of Refunded Loans 0 9,596

Loan Characteristics On Kiva

    This Lending Partner All Kiva Partners
  Loans to Women Borrowers 71.36% 78.24%
Average Loan Size $1,713 $392
Average Individual Loan Size $1,713 $589
Average Group Loan Size $0 $1,891
Average number of borrowers per group 0 8.3
Average GDP per capita (PPP) in local country $5,200 $5,599
Average Loan Size / GDP per capita (PPP) 32.95% 7.00%
Average Time to Fund a Loan 1.8 days 8.93 days
Average Dollars Raised Per Day Per Loan $954.38 $43.86
  Average Loan Term 8.65 months 11.47 months

Journaling Performance on Kiva

    This Lending Partner All Kiva Partners
  Total Journals 61 1,178,680
  Journaling Rate 12.21% 42.25%
  Average Number of Comments Per Journal 0.00 0.02
  Average Number of Recommendations Per Journal 0.00 0.57

Borrowing Cost Comparison (based on 2017 data)

    This Lending Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 0% APR 40.00% PY 27.02% PY
  Profitability (return on assets) -2.89% 1.8% -3.10%
  Average Loan Size (% of per capita income) N/A 23.00% 0.00%

Country Fast Facts

Lending Partner Staff

Syahri Abdillah
Dwi Shinta H. Putri
Yudi Supriatna
Guido van Hofwegen