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 $948,590,975
Amount of raised Inactive loans $13,075 $375,825
Number of raised Inactive loans 6 261
Amount of Paying Back Loans $221,825 $141,979,900
Number of Paying Back Loans 116 175,166
Amount of Ended Loans $72,225 $806,235,250
Number of Ended Loans 79 1,011,122
Delinquency Rate 2.51% 8.10%
Amount in Arrears $3,331 $7,468,353
Outstanding Portfolio $132,490 $92,214,717
Number of Loans Delinquent 31 18,720
Default Rate 0.00% 1.40%
Amount of Ended Loans Defaulted $0 $11,312,347
Number of Ended Loans Defaulted 0 32,567
Currency Exchange Loss Rate 2.76% 0.46%
Amount of Currency Exchange Loss $8,484 $4,326,176
Refund Rate 0.00% 0.62%
Amount of Refunded Loans $0 $5,911,700
Number of Refunded Loans 0 5,950

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 60.95% 75.25%
Average Loan Size $1,513 $400
Average Individual Loan Size $1,534 $632
Average Group Loan Size $425 $1,765
Average number of borrowers per group 3 7.7
Average GDP per capita (PPP) in local country $12,700 $5,889
Average Loan Size / GDP per capita (PPP) 11.91% 6.79%
Average Time to Fund a Loan 2.08 days 6.92 days
Average Dollars Raised Per Day Per Loan $728.28 $57.76
  Average Loan Term 18.37 months 11.11 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 2 494,507
  Journaling Rate 1.16% 41.49%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.00 1.18

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 26.05% PY
  Profitability (return on assets) 5.2% N/A -0.82%
  Average Loan Size (% of per capita income) N/A 9.00% 17.16%

Country Fast Facts

Field Partner Staff

Kagwe Kagwe