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 $291,425 $908,588,725
Amount of raised Inactive loans $22,650 $1,315,925
Number of raised Inactive loans 13 1,282
Amount of Paying Back Loans $203,125 $137,063,425
Number of Paying Back Loans 113 168,293
Amount of Ended Loans $65,650 $770,209,375
Number of Ended Loans 67 960,618
Delinquency Rate 0.00% 8.85%
Amount in Arrears $0 $7,818,874
Outstanding Portfolio $124,647 $88,323,046
Number of Loans Delinquent 0 22,733
Default Rate 0.00% 1.35%
Amount of Ended Loans Defaulted $0 $10,382,253
Number of Ended Loans Defaulted 0 29,500
Currency Exchange Loss Rate 2.90% 0.46%
Amount of Currency Exchange Loss $8,440 $4,145,391
Refund Rate 0.00% 0.64%
Amount of Refunded Loans $0 $5,827,650
Number of Refunded Loans 0 5,888

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 62.31% 75.01%
Average Loan Size $1,494 $405
Average Individual Loan Size $1,516 $636
Average Group Loan Size $425 $1,793
Average number of borrowers per group 3 7.8
Average GDP per capita (PPP) in local country $12,700 $5,917
Average Loan Size / GDP per capita (PPP) 11.77% 6.84%
Average Time to Fund a Loan 2.09 days 6.97 days
Average Dollars Raised Per Day Per Loan $713.88 $58.05
  Average Loan Term 18.46 months 11.09 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 2 471,351
  Journaling Rate 1.49% 41.75%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.00 1.22

Borrowing Cost Comparison (based on 2015 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 40% APR N/A 26.37% PY
  Profitability (return on assets) 14.3% N/A 0.19%
  Average Loan Size (% of per capita income) N/A 9.00% 18.15%

Country Fast Facts

Field Partner Staff

Kagwe Kagwe