Kiva and Living Goods have mutually agreed to end their partnership after nearly 2 years. Living Goods is no longer in need of Kiva financing and this Field Partner has repaid its outstanding balance to Kiva lenders in full. We thank Living Goods for the years of collaboration and wish them success in their future endeavors.

Partner description:
Living Goods is a non-profit organization founded in 2007­ to improve the lives of people in the developing world by creating a delivery system for life-saving, essential health products. They are headquartered in California with offices in Uganda and Kenya. 
Living Goods creates and trains networks of micro-entrepreneurs who go door-to-door teaching families how to improve their health and wealth in developing countries. The entrepreneurs sell products like simple treatments for malaria and diarrhea, fortified foods, safe birthing kits, clean cook stoves and solar lights. As they work to improve the lives of their customers, Living Goods agents also significantly improve their own incomes, confidence and leadership in their communities. 
A unique lending approach:
Living Goods loans posted on Kiva will be used by groups of borrowers to purchase consumer goods like clean cookstoves, water filters and solar products for distribution.
The borrowers then go door to door and educate their neighbors  about the health and income benefits of the products. Cookstoves reduce the cost of wood and charcoal for a household, and reduce indoor air pollution. Solar products reduce the cost of kerosene and also reduce indoor air pollution. Water filters reduce incidence of diarrhea and other water-borne disease.
Living Goods entrepreneurs also provide other high-impact services such as pregnancy support, family planning and nutrition education to their neighbors.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Jun 24, 2014 Oct 12, 2005
Total Loans $3,950 $874,644,300
Amount of raised Inactive loans $0 $720,425
Number of raised Inactive loans 0 539
Amount of Paying Back Loans $0 $136,368,450
Number of Paying Back Loans 0 166,564
Amount of Ended Loans $3,950 $737,555,425
Number of Ended Loans 18 916,395
Delinquency Rate 0.00% 8.50%
Amount in Arrears $0 $7,484,970
Outstanding Portfolio $0 $88,021,318
Number of Loans Delinquent 0 22,477
Default Rate 0.00% 1.32%
Amount of Ended Loans Defaulted $0 $9,710,817
Number of Ended Loans Defaulted 0 27,169
Currency Exchange Loss Rate 0.00% 0.44%
Amount of Currency Exchange Loss $0 $3,823,595
Refund Rate 0.00% 0.65%
Amount of Refunded Loans $0 $5,700,625
Number of Refunded Loans 0 5,834

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 84.21% 74.90%
Average Loan Size $46 $407
Average Individual Loan Size $50 $640
Average Group Loan Size $229 $1,805
Average number of borrowers per group 5 7.8
Average GDP per capita (PPP) in local country $1,800 $5,934
Average Loan Size / GDP per capita (PPP) 2.55% 6.87%
Average Time to Fund a Loan 0.07 days 6.92 days
Average Dollars Raised Per Day Per Loan $640.68 $58.87
  Average Loan Term 3.68 months 11.05 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 0 447,205
  Journaling Rate 0.00% 41.58%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.00 1.27

Borrowing Cost Comparison (based on 2013 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 30% APR 36.00% PY 26.87% PY
  Profitability (return on assets) N/A 0.5% -0.78%
  Average Loan Size (% of per capita income) N/A 56.00% 18.82%

Country Fast Facts

Field Partner Staff

Shaun Church
Naomi Nyanchama