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.

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 $120,950 $962,767,275
Amount of raised Inactive loans $0 $495,400
Number of raised Inactive loans 0 261
Amount of Paying Back Loans $117,100 $145,653,675
Number of Paying Back Loans 254 180,972
Amount of Ended Loans $3,850 $816,618,200
Number of Ended Loans 12 1,025,539
Delinquency Rate 0.00% 8.04%
Amount in Arrears $0 $7,692,220
Outstanding Portfolio $81,058 $95,673,582
Number of Loans Delinquent 0 19,651
Default Rate 0.00% 1.40%
Amount of Ended Loans Defaulted $0 $11,450,847
Number of Ended Loans Defaulted 0 32,890
Currency Exchange Loss Rate 0.00% 0.46%
Amount of Currency Exchange Loss $0 $4,395,675
Refund Rate 5.00% 0.62%
Amount of Refunded Loans $6,050 $5,946,325
Number of Refunded Loans 13 5,964

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 50.32% 75.32%
Average Loan Size $396 $399
Average Individual Loan Size $458 $631
Average Group Loan Size $370 $1,760
Average number of borrowers per group 5.2 7.7
Average GDP per capita (PPP) in local country $54,800 $5,881
Average Loan Size / GDP per capita (PPP) 0.72% 6.79%
Average Time to Fund a Loan 7.53 days 6.92 days
Average Dollars Raised Per Day Per Loan $52.51 $57.70
  Average Loan Term 31.48 months 11.11 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 87 501,690
  Journaling Rate 12.50% 41.45%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.00 1.17

Borrowing Cost Comparison (based on 2015 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 5% APR N/A 26.14% PY
  Profitability (return on assets) 15.7% N/A -1.25%
  Average Loan Size (% of per capita income) N/A N/A 16.85%

Country Fast Facts

Field Partner Staff

Alilath Detvongsone
Sopheap Im
Tai Kim
Wolfgang Mueller
Wolfgang Mueller
Primrose Mukami
Calvince Odemba
Socheat Thin
Chinda Thoeun
Maldrine Too
Agnes Wathungu