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:
 
Founded in the UK in 1993, 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.
 
Ghana is one of five countries (also including Zimbabwe, Tanzania, Malawi and Zambia) in which Camfed operates.
 
The organization gives girls the opportunity to attend primary and secondary school through scholarships and training programs. The scholarships cover school fees as well as education-related items including uniforms, shoes, books, pencils and bags.
 
Once the girls are older, Camfed offers them further opportunities including professional training, higher education, and the potential to start a business of their own.
 
Kiva also has partnerships with Camfed in Zimbabwe and Tanzania.
 
A unique lending approach:
 
Kiva funding goes to support loans given through Camfed’s alumni association, Cama. 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 borrowers will thus repay the “interest” on their loan in the form of social service.

Young women who are members of Cama Ghana and who are not Learner Guides are also eligible for 0% interest loans, on the condition that they perform at least 10 hours per month of business mentoring to others in the community. 
 
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.
 

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Sep 27, 2015 Oct 12, 2005
Total Loans $52,750 $949,032,850
Amount of raised Inactive loans $0 $380,625
Number of raised Inactive loans 0 283
Amount of Paying Back Loans $29,975 $142,308,325
Number of Paying Back Loans 94 175,526
Amount of Ended Loans $22,775 $806,343,900
Number of Ended Loans 96 1,011,305
Delinquency Rate 4.12% 8.01%
Amount in Arrears $783 $7,415,317
Outstanding Portfolio $18,990 $92,533,478
Number of Loans Delinquent 13 18,630
Default Rate 0.00% 1.40%
Amount of Ended Loans Defaulted $0 $11,313,280
Number of Ended Loans Defaulted 0 32,569
Currency Exchange Loss Rate 0.36% 0.46%
Amount of Currency Exchange Loss $191 $4,326,176
Refund Rate 0.00% 0.62%
Amount of Refunded Loans $0 $5,912,425
Number of Refunded Loans 0 5,951

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 100.00% 75.25%
Average Loan Size $278 $400
Average Individual Loan Size $278 $632
Average Group Loan Size $0 $1,766
Average number of borrowers per group 0 7.7
Average GDP per capita (PPP) in local country $3,500 $5,889
Average Loan Size / GDP per capita (PPP) 7.93% 6.79%
Average Time to Fund a Loan 0.53 days 6.92 days
Average Dollars Raised Per Day Per Loan $528.61 $57.75
  Average Loan Term 9.08 months 11.11 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 23 494,772
  Journaling Rate 17.54% 41.50%
  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 0% APR 53.00% PY 26.05% PY
  Profitability (return on assets) 1.34% 0.3% -0.82%
  Average Loan Size (% of per capita income) N/A 13.00% 17.16%

Country Fast Facts

Field Partner Staff

Martin Rex Kuunyem
Millicent Achimboye
Samuel Asare Danquah
John Asibi Ali
Emmanuel Obeng-Adjei
Ryan Osborne