Uberis Capital is an impact investing venture capital firm that supports high-growth social enterprises in Cambodia, Laos, Vietnam, Philippines, Myanmar and Indonesia. The firm seeks to benefit low-income populations by supporting social enterprises that create jobs and training opportunities, primarily in the areas of smallholder agriculture, rural energy, household improvement and hospitality. 
A unique lending approach:

Uberis Capital’s for-profit “Impact Fund” makes equity investments to social enterprises. Kiva funding allows Uberis to run a “Venture Fund” that targets smaller, less mature social enterprises with financing needs between $20,000 and $50,000. The Venture Fund would not generate profits for Uberis Capital, but could act as an incubator for future investments by the Impact Fund. 

These enterprises are too big for traditional microfinance loans and too small for most impact investors. Bank loans, if available at all, are often prohibitively expensive. Patient, risk-tolerant capital is needed to fill this gap, often referred to as the “missing middle.” 

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Jul 7, 2014 Oct 12, 2005
Total Loans $50,000 $841,356,450
Amount of raised Inactive loans $0 $490,175
Number of raised Inactive loans 0 228
Amount of Paying Back Loans $30,000 $135,094,750
Number of Paying Back Loans 1 162,871
Amount of Ended Loans $20,000 $705,771,525
Number of Ended Loans 1 873,819
Delinquency Rate 0.00% 8.53%
Amount in Arrears $0 $7,451,933
Outstanding Portfolio $30,000 $87,370,282
Number of Loans Delinquent 0 23,650
Default Rate 91.00% 1.29%
Amount of Ended Loans Defaulted $18,200 $9,109,339
Amount of Ended Loans $20,000 $705,771,525
Number of Ended Loans Defaulted 1 23,798
Currency Exchange Loss Rate 0.00% 0.42%
Amount of Currency Exchange Loss $0 $3,556,056
Refund Rate 0.00% 0.64%
Amount of Refunded Loans $0 $5,410,350
Number of Refunded Loans 0 5,724

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 100.00% 74.78%
Average Loan Size $25,000 $408
Average Individual Loan Size $25,000 $643
Average Group Loan Size $0 $1,816
Average number of borrowers per group 0 7.9
Average GDP per capita (PPP) in local country $2,600 $5,941
Average Loan Size / GDP per capita (PPP) 961.54% 6.88%
Average Time to Fund a Loan 7.42 days 6.86 days
Average Dollars Raised Per Day Per Loan $3,368.13 $59.54
  Average Loan Term 28 months 11.01 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 4 417,444
  Journaling Rate 100.00% 40.64%
  Average Number of Comments Per Journal 0.00 0.06
  Average Number of Recommendations Per Journal 0.00 1.34

Borrowing Cost Comparison (based on 2009 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 10% APR 30.00% PY 27.71% PY
  Profitability (return on assets) N/A 4.6% -0.31%
  Average Loan Size (% of per capita income) N/A 184.00% 19.52%

Country Fast Facts

Field Partner Staff

Cyrille Antignac
Claire Beatley
Antoine Collet
Rémi Van Ooteghem