Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

Partner description:


Siza was formed in 2013 to improve entrepreneurship opportunities for unemployed youth and women. Siza’s clients are from historically disadvantaged communities in South Africa who may never have engaged in any kind of business activity. By working with these marginalized groups to develop business skills and start small enterprises, Siza hopes to reduce poverty in these areas.

A unique lending approach:

Siza focuses on capacity building and skills development first, working with clients to create smart business plans. Once a client has developed an idea that he or she would like to launch, Siza offers a 0% interest in-kind loan to enable the entrepreneur to purchase the equipment needed to get the business started. After the entrepreneur has launched their business, Siza offers conventional cash microfinance loans to support business growth.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Jan 30, 2015 Oct 12, 2005
Total Loans $307,125 $994,015,325
Amount of raised Inactive loans $0 $257,450
Number of raised Inactive loans 0 304
Amount of Paying Back Loans $234,900 $153,841,625
Number of Paying Back Loans 122 195,782
Amount of Ended Loans $72,225 $839,916,250
Number of Ended Loans 79 1,055,620
Delinquency Rate 30.86% 8.69%
Amount in Arrears $44,927 $8,875,692
Outstanding Portfolio $145,565 $102,174,618
Number of Loans Delinquent 116 30,836
Default Rate 0.00% 1.42%
Amount of Ended Loans Defaulted $0 $11,890,081
Number of Ended Loans Defaulted 0 34,252
Currency Exchange Loss Rate 2.77% 0.45%
Amount of Currency Exchange Loss $8,503 $4,501,882
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 60.95% 75.51%
Average Loan Size $1,513 $398
Average Individual Loan Size $1,534 $627
Average Group Loan Size $425 $1,756
Average number of borrowers per group 3 7.7
Average GDP per capita (PPP) in local country $12,700 $5,871
Average Loan Size / GDP per capita (PPP) 11.91% 6.78%
Average Time to Fund a Loan 2.08 days 6.92 days
Average Dollars Raised Per Day Per Loan $728.28 $57.54
  Average Loan Term 18.37 months 11.13 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 2 519,181
  Journaling Rate 0.90% 41.20%
  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 42% APR N/A 26.28% PY
  Profitability (return on assets) 5.2% N/A -1.13%
  Average Loan Size (% of per capita income) N/A 9.00% 16.31%

Country Fast Facts

Field Partner Staff

Kagwe Kagwe