Partner Summary


Founded in April 2014, Moringa School enables young people who are passionate about technology to become top mobile and web developers in Nairobi's fast-growing tech scene. Moringa School’s skills training is conducted through an immersive and intensive 16-week program, followed by placement into high-value employment.


In Kenya, access to quality higher education and especially education in technology, is severely lacking. Yet, Nairobi has become the African hub for innovation, with jobs being filled largely by international workers. Because of these two factors, the unemployment rate remains high for Kenyan graduates.


Moringa School gives young Kenyans and other young people from across the region a chance to tap into the booming technology market and gain valuable coding skills. Graduates have a 100% job placement rate and an average 350% salary increase over their previous employment.


Unique Lending Approach

Loans funded on Kiva will help students complete Moringa School's 16-week coding program, positioning them to access well-paid technology jobs. Through highly trained teachers, a curated curriculum, and a partnership with Hack Reactor, a top Silicon Valley coding school, Kiva loans through Moringa will help create the next generation of world-class developers in Africa. Moringa works with over 30 technology companies as hiring partners.


Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Dec 16, 2015 Oct 12, 2005
Total Loans $49,550 $866,290,725
Amount of raised Inactive loans $0 $438,300
Number of raised Inactive loans 0 312
Amount of Paying Back Loans $49,550 $138,225,075
Number of Paying Back Loans 24 168,102
Amount of Ended Loans $0 $727,627,350
Number of Ended Loans 0 903,770
Delinquency Rate 3.29% 7.99%
Amount in Arrears $1,609 $7,217,709
Outstanding Portfolio $48,898 $90,329,689
Number of Loans Delinquent 13 21,355
Default Rate 0.00% 1.32%
Amount of Ended Loans Defaulted $0 $9,618,429
Amount of Ended Loans $0 $727,627,350
Number of Ended Loans Defaulted 0 26,678
Currency Exchange Loss Rate 0.00% 0.43%
Amount of Currency Exchange Loss $0 $3,748,624
Refund Rate 60.24% 0.65%
Amount of Refunded Loans $29,850 $5,634,100
Number of Refunded Loans 14 5,820

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 13.16% 74.87%
Average Loan Size $2,089 $408
Average Individual Loan Size $2,089 $640
Average Group Loan Size $0 $1,806
Average number of borrowers per group 0 7.8
Average GDP per capita (PPP) in local country $1,800 $5,938
Average Loan Size / GDP per capita (PPP) 116.08% 6.86%
Average Time to Fund a Loan 10.5 days 6.9 days
Average Dollars Raised Per Day Per Loan $199.01 $59.03
  Average Loan Term 24.63 months 11.04 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 0 439,977
  Journaling Rate 0.00% 41.48%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.00 1.29

Borrowing Cost Comparison (based on 2015 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 13% APR 36.00% PY 27.38% PY
  Profitability (return on assets) N/A 0.5% -0.69%
  Average Loan Size (% of per capita income) N/A 56.00% 19.11%

Country Fast Facts

Field Partner Staff

Audrey Cheng
Fiona Kirui
Paul Ooko

Kiva Fellow(s)

Stephanie Panozzo