Founded in the UK in 1993 and established in Tanzania in 2005, Camfed (the Campaign for Female Education) is an international non-profit organization that focuses on eradicating poverty in rural Africa by investing in education for girls and supporting the economic self-reliance and leadership of young women. Camfed’s model is one of partnership – with government departments, schools, traditional and civic authorities, parents and children – through which communities design and drive solutions that advance educational, social and economic progress.

Tanzania is one of five countries (also including Zimbabwe, Ghana, Malawi and Ghana) in which Camfed operates. Across those countries, Camfed has improved the educational status of over 3 million children and young people through a network of over 5,000 partner schools. In addition to direct support for girls and vulnerable boys to go to school, Camfed invests in improving the quality of education through learning resources, child protection and teacher training initiatives. This is particularly impactful in Africa, where the reluctance of many urban-educated teachers to take jobs in rural communities and the shortage of rural-educated teachers undermines the quality of the rural school system.

Loans from Kiva lenders are used to help young women in rural Tanzania who are members of Cama, Camfed’s alumnae organization. Most of these women have been supported through high school by Camfed and are now dedicated to “giving back” to their communities through social service.  

Many Cama members operate small businesses to support their families and dependents. Through the Learner Guide initiative, Cama members commit to serving as volunteer Learner Guides (teaching assistants) in local high schools, and in exchange receive 0% interest loans funded by Kiva lenders. Learner Guides lead students through sessions that help them focus on learning and develop critical skills including decision-making, problem solving, leadership, entrepreneurship and communication. Through their dedicated service, Cama Tanzania borrowers will thus re-pay the “interest” on their loan in the form of social service.

Camfed’s impact:

The girls and young women Camfed supports are identified by their communities based on need and potential. The organization helps them at every stage of their development, from primary school through adulthood. Its comprehensive programs enable girls to get into school, excel academically and maximize the value of their education after they graduate. By helping the most vulnerable and marginalized members of a community, Camfed is able to help develop school environments that benefit all students.

Camfed begins by providing the school fees, supplies and uniforms that many girls’ families can’t afford. Through its extended network -- including trained Teacher  Mentors -- the organization ensures that girls are fully supported emotionally and academically. This is especially vital for children who have been orphaned or are the heads of their households. After they graduate from secondary school, Camfed helps them learn how to manage money and launch small businesses. 

Finally, it offers them the ability to join the Cama alumni network. Cama members share a common commitment to supporting each other and giving back to their rural communities as leaders, trainers, entrepreneurs, health activists, students, professionals and champions of information and communications technology.

Awards and honors:

As part of its 800th anniversary celebration, the University of Cambridge named Camfed as its Charity of the Year. Camfed USA continues to earn high ratings awarded by Charity Navigator for its efficient financial practices. Former Camfed scholarship recipient and current Cama member Abigail Kaindu is a member of the United Nations Secretary General's Youth Advocacy Panel, part of a new Education First Initiative to put every child in school.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Aug 21, 2014 Oct 12, 2005
Total Loans $365,950 $994,392,850
Amount of raised Inactive loans $0 $260,175
Number of raised Inactive loans 0 305
Amount of Paying Back Loans $147,450 $154,159,625
Number of Paying Back Loans 201 196,300
Amount of Ended Loans $218,500 $839,973,050
Number of Ended Loans 452 1,055,657
Delinquency Rate 99.87% 8.64%
Amount in Arrears $59,402 $8,858,527
Outstanding Portfolio $59,477 $102,532,254
Number of Loans Delinquent 201 30,799
Default Rate 0.55% 1.42%
Amount of Ended Loans Defaulted $1,191 $11,907,245
Number of Ended Loans Defaulted 6 34,289
Currency Exchange Loss Rate 1.07% 0.45%
Amount of Currency Exchange Loss $3,898 $4,517,253
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 99.85% 75.51%
Average Loan Size $560 $398
Average Individual Loan Size $560 $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 $1,900 $5,870
Average Loan Size / GDP per capita (PPP) 29.50% 6.78%
Average Time to Fund a Loan 1.56 days 6.92 days
Average Dollars Raised Per Day Per Loan $359.29 $57.53
  Average Loan Term 8.42 months 11.13 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 407 519,970
  Journaling Rate 51.10% 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 21.00% PY 26.33% PY
  Profitability (return on assets) 1.34% 0.2% -1.08%
  Average Loan Size (% of per capita income) N/A 134.00% 16.31%

Country Fast Facts

Field Partner Staff

Camfed USA Development
Nasikiwa Duke Mwalisu
Clare Jenkins
Caroline Kinasha
Dominica Lyambo
Theresia Moyo
Bartholomew Mroso
Riziki Namwete
Consolatha Pamphil
Anord Soman
Sandra Spence
Lydia Wilbard
Martin Zakaria