iDE is an international non-profit organization that currently operates 11 country programs in Asia, Africa, and Latin America. iDE has a unique market-based approach to poverty reduction, iDE helps to build profitable enterprises and value chains that deliver sustainable social and economic benefits to the rural poor, enabling them to increase their income and improve their quality of life.
 
To date, the hard work and vision of iDE staff throughout the world have helped more than 19 million people lift themselves permanently out of poverty.
 
A unique lending approach:
 
iDE Cambodia has developed two loan products with Kiva.
 
The first is a micro-franchise model for delivering high-quality agricultural inputs and technical advice to poor farmers through private Farm Business Advisors (FBAs). These FBA’s are independent micro-entrepreneurs trained by iDE to encourage and equip farmers to grow market-oriented crops. FBAs analyze individual farm enterprises to identify opportunities, which are matched with products and services in the FBA toolkit. The toolkit includes a range of products and advice to provide farmers. Since introducing the Farm Business Advisor model in 2005, the network has grown to include about 130 FBAs that serves more than 14,000 farm households.
 
The other loan product that iDE offers is used to enable rural households to purchase Hydrologic ceramic water filters. This loan product will enable households to buy a ceramic water filter that will improve the health of rural households by providing sustained access to safe drinking water.
 
With Kiva’s support, iDE Cambodia will be able to implement these two models and reach a wider range of rural households.

Repayment Performance on Kiva

    This Lending Partner All Kiva Partners
  Start Date On Kiva Feb 4, 2014 Oct 12, 2005
Total Loans $4,784,350 $1,958,960,270
Amount of raised Inactive loans $0 $198,810
Number of raised Inactive loans 0 174
Amount of Paying Back Loans $125,000 $161,515,145
Number of Paying Back Loans 1 189,106
Amount of Ended Loans $4,659,350 $1,768,242,580
Number of Ended Loans 29,128 2,370,068
Delinquency Rate 0.00% 12.15%
Amount in Arrears $0 $12,196,492
Outstanding Portfolio $20,833 $100,379,645
Number of Loans Delinquent 0 72,762
Default Rate 0.54% 1.83%
Amount of Ended Loans Defaulted $24,993 $32,307,398
Number of Ended Loans Defaulted 779 84,791
Currency Exchange Loss Rate 0.00% 0.50%
Amount of Currency Exchange Loss $0 $11,998,745
Refund Rate 0.05% 0.54%
Amount of Refunded Loans $2,450 $10,526,300
Number of Refunded Loans 16 9,596

Loan Characteristics On Kiva

    This Lending Partner All Kiva Partners
  Loans to Women Borrowers 78.25% 78.24%
Average Loan Size $49 $392
Average Individual Loan Size $66,817 $589
Average Group Loan Size $157 $1,891
Average number of borrowers per group 3.4 8.3
Average GDP per capita (PPP) in local country $2,600 $5,599
Average Loan Size / GDP per capita (PPP) 1.87% 7.00%
Average Time to Fund a Loan 1.04 days 8.93 days
Average Dollars Raised Per Day Per Loan $46.79 $43.86
  Average Loan Term 6.4 months 11.47 months

Journaling Performance on Kiva

    This Lending Partner All Kiva Partners
  Total Journals 6,409 1,178,680
  Journaling Rate 18.52% 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 28% APR 30.00% PY 27.02% PY
  Profitability (return on assets) 11.83% 4.6% -3.10%
  Average Loan Size (% of per capita income) N/A 184.00% 0.00%

Country Fast Facts

Lending Partner Staff

Sop Abdulkarim
Sabina Bharwani
Sreylen Chhe
Sovannary Orm
Sothea Sam
Hory Tina