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 $50,375 $874,960,175
Amount of raised Inactive loans $0 $710,400
Number of raised Inactive loans 0 536
Amount of Paying Back Loans $50,375 $136,648,425
Number of Paying Back Loans 29 167,060
Amount of Ended Loans $0 $737,601,350
Number of Ended Loans 0 916,439
Delinquency Rate 1.03% 8.46%
Amount in Arrears $507 $7,476,165
Outstanding Portfolio $49,479 $88,321,485
Number of Loans Delinquent 3 22,435
Default Rate 0.00% 1.32%
Amount of Ended Loans Defaulted $0 $9,707,641
Number of Ended Loans Defaulted 0 27,160
Currency Exchange Loss Rate 0.00% 0.44%
Amount of Currency Exchange Loss $0 $3,823,595
Refund Rate 0.00% 0.65%
Amount of Refunded Loans $0 $5,700,625
Number of Refunded Loans 0 5,834

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 41.38% 74.90%
Average Loan Size $416 $407
Average Individual Loan Size $0 $640
Average Group Loan Size $1,737 $1,805
Average number of borrowers per group 4.2 7.8
Average GDP per capita (PPP) in local country $1,700 $5,934
Average Loan Size / GDP per capita (PPP) 24.49% 6.86%
Average Time to Fund a Loan 9.97 days 6.92 days
Average Dollars Raised Per Day Per Loan $41.74 $58.85
  Average Loan Term 9.83 months 11.06 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 0 447,522
  Journaling Rate 0.00% 41.57%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.00 1.27

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 26.87% PY
  Profitability (return on assets) -17% N/A -0.78%
  Average Loan Size (% of per capita income) N/A N/A 18.82%

Country Fast Facts

Field Partner Staff

Anna Brown