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:
Entrepreneurs du Monde is an international NGO that runs a social microfinance program in Myanmar known locally as Sont Oo Tehtwin, which means entrepreneur.

Sont Oo Tehtwin works primarily with women microentrepreneurs, and provides underserved communities in urban and rural parts of southern Yangon with much-needed financial services. The program provides saving accounts, and budget and management training sessions, with their loans.

A unique lending approach:
Sont Oo Tehtwin provides loans to groups of borrowers, free of collateral or joint liability requirements. Funds raised on Kiva support agriculture loans to rice farmers as well as loans to micro-entrepreneurs running their own businesses. In addition to financing, this partner offers socio-economic services to help borrowers develop their income-generating activities and make sustainable improvements to their living conditions.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva May 27, 2016 Oct 12, 2005
Total Loans $67,050 $938,320,675
Amount of raised Inactive loans $1,625 $501,975
Number of raised Inactive loans 1 449
Amount of Paying Back Loans $43,250 $143,680,125
Number of Paying Back Loans 26 175,943
Amount of Ended Loans $22,175 $794,138,575
Number of Ended Loans 13 994,903
Delinquency Rate 0.00% 7.90%
Amount in Arrears $0 $7,433,246
Outstanding Portfolio $40,253 $94,132,449
Number of Loans Delinquent 0 19,274
Default Rate 0.00% 1.40%
Amount of Ended Loans Defaulted $0 $11,137,050
Number of Ended Loans Defaulted 0 31,506
Currency Exchange Loss Rate 1.73% 0.46%
Amount of Currency Exchange Loss $1,158 $4,278,396
Refund Rate 0.00% 0.63%
Amount of Refunded Loans $0 $5,887,300
Number of Refunded Loans 0 5,924

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 47.17% 75.18%
Average Loan Size $430 $401
Average Individual Loan Size $0 $634
Average Group Loan Size $1,676 $1,772
Average number of borrowers per group 3.9 7.8
Average GDP per capita (PPP) in local country $1,700 $5,898
Average Loan Size / GDP per capita (PPP) 25.28% 6.80%
Average Time to Fund a Loan 10.63 days 6.93 days
Average Dollars Raised Per Day Per Loan $40.44 $57.86
  Average Loan Term 10.87 months 11.1 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 0 486,687
  Journaling Rate 0.00% 41.51%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.00 1.20

Borrowing Cost Comparison (based on 2016 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 29% APR N/A 25.92% PY
  Profitability (return on assets) -17% N/A -0.29%
  Average Loan Size (% of per capita income) N/A N/A 17.68%

Country Fast Facts

Field Partner Staff

Anna Brown