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:

Digital Divide Data is a social enterprise that employs talented disadvantaged youth across Cambodia, Kenya, and Laos. The company provides digital content services, including digitization, data conversion, process automation, and web and field research services for clients around the world.
Employees at Digital Divide Data have access to an intensive work-study program that allows them to grow as they learn basic skills, develop technical capabilities, and earn degrees that enable them develop professionally.

A unique lending approach:

Digital Divide Data recruits highly-motivated youth from poor families, with an equal share of female and male individuals, and trains them to perform digital work for global clients, while offering them an opportunity to earn university degrees.
Kiva funding is used to help students pay for a share of their university tuition fees, as a complement to scholarships provided by the company. These loans will be used by students to pay for expenses that are not covered by the scholarships and also for personal hardships.

Loans will be provided at 0% interest rate in the majority of cases and at 4% to contribute to covering administrative costs in geographies where costs to manage the loan program are more elevated.


Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Dec 9, 2015 Oct 12, 2005
Total Loans $207,175 $1,330,802,700
Amount of raised Inactive loans $18,200 $547,125
Number of raised Inactive loans 26 685
Amount of Paying Back Loans $53,500 $147,970,550
Number of Paying Back Loans 109 195,474
Amount of Ended Loans $135,475 $1,182,285,025
Number of Ended Loans 332 1,522,055
Delinquency Rate 37.28% 10.42%
Amount in Arrears $6,368 $9,802,012
Outstanding Portfolio $35,280 $94,101,479
Number of Loans Delinquent 52 55,529
Default Rate 10.40% 1.74%
Amount of Ended Loans Defaulted $14,083 $20,609,355
Number of Ended Loans Defaulted 60 50,258
Currency Exchange Loss Rate 0.00% 0.39%
Amount of Currency Exchange Loss $0 $5,175,709
Refund Rate 3.26% 0.59%
Amount of Refunded Loans $6,750 $7,878,725
Number of Refunded Loans 14 7,776

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 51.06% 76.40%
Average Loan Size $338 $394
Average Individual Loan Size $452 $609
Average Group Loan Size $389 $1,761
Average number of borrowers per group 3.8 7.7
Average GDP per capita (PPP) in local country $54,800 $5,776
Average Loan Size / GDP per capita (PPP) 0.62% 6.82%
Average Time to Fund a Loan 5.63 days 7.13 days
Average Dollars Raised Per Day Per Loan $60.06 $55.26
  Average Loan Term 26.23 months 11.34 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 317 789,496
  Journaling Rate 77.05% 43.17%
  Average Number of Comments Per Journal 0.00 0.03
  Average Number of Recommendations Per Journal 0.00 0.81

Borrowing Cost Comparison (based on 2017 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 3% APR N/A 25.36% PY
  Profitability (return on assets) -18.5% N/A -1.96%
  Average Loan Size (% of per capita income) N/A N/A 12.88%

Country Fast Facts

Field Partner Staff

Alilath Detvongsone
Sopheap Im
Tai Kim
Denis Koech
Wolfgang Mueller
Wolfgang Mueller
Calvince Odemba
Socheat Thin
Chinda Thoeun
Agnes Wathungu