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:
Campaign For Female Education, known as Camfed, is an international nonprofit organization, originally launched in 1993 with the goal of eradicating poverty in Africa by educating girls and empowering young women. Camfed’s education programs throughout Africa have directly supported more than 1.4 million students to attend primary and secondary school, and over 3.5 million children have benefited from an improved learning environment.

Camfed Zambia was founded in 2001, and since then has disbursed 28,562 secondary education scholarships to girls in rural Zambia. In addition to school fees, the scholarship covers necessary items such as uniforms, shoes, books, and pencils.

Kiva currently has partnerships with Camfed in Zimbabwe, Tanzania and Ghana.

A unique lending approach:
Loans funded on Kiva will go to entrepreneurs in Zambia who are members of Camfed’s alumni association, Cama. Cama is an alumnae network of women, most of whom were supported by Camfed bursaries and who reinvest the benefits of their own education into their families and communities. The majority of Cama members are now rural businesswomen, working to achieve economic independence and become role models for younger generations.

The 0% interest loans from Kiva would be an exclusive offer to the young women of the Cama network, who meet the requirements of being active network members, contribute a minimum of 2.5 hours per week of volunteering time with reputable community groups, submit a viable business plan and commit to regular progress reports on their business. Through their volunteer service, Cama borrowers will thus repay the “interest” on their loan in the form of social service.

The expanding the Kiva - Camfed partnership to include Zambia will significantly increase access to financing for Cama members in Zambia and allow Camfed Zambia to learn from the progress made with the loans programs in Zimbabwe, Tanzania and Ghana.


Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Nov 1, 2016 Oct 12, 2005
Total Loans $1,850 $911,263,700
Amount of raised Inactive loans $0 $1,447,875
Number of raised Inactive loans 0 1,371
Amount of Paying Back Loans $1,850 $137,912,425
Number of Paying Back Loans 7 167,110
Amount of Ended Loans $0 $771,903,400
Number of Ended Loans 0 965,202
Delinquency Rate 0.00% 8.61%
Amount in Arrears $0 $7,674,444
Outstanding Portfolio $1,850 $89,181,593
Number of Loans Delinquent 0 21,254
Default Rate 0.00% 1.35%
Amount of Ended Loans Defaulted $0 $10,384,180
Number of Ended Loans Defaulted 0 29,512
Currency Exchange Loss Rate 0.00% 0.46%
Amount of Currency Exchange Loss $0 $4,150,252
Refund Rate 0.00% 0.64%
Amount of Refunded Loans $0 $5,827,650
Number of Refunded Loans 0 5,888

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 100.00% 75.02%
Average Loan Size $264 $404
Average Individual Loan Size $264 $636
Average Group Loan Size $0 $1,789
Average number of borrowers per group 0 7.8
Average GDP per capita (PPP) in local country $4,100 $5,916
Average Loan Size / GDP per capita (PPP) 6.45% 6.83%
Average Time to Fund a Loan 0.15 days 6.97 days
Average Dollars Raised Per Day Per Loan $1,746.70 $57.96
  Average Loan Term 7 months 11.09 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 0 472,200
  Journaling Rate 0.00% 41.75%
  Average Number of Comments Per Journal 0.00 0.05
  Average Number of Recommendations Per Journal 0.00 1.22

Borrowing Cost Comparison (based on 2016 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 0% APR 74.00% PY 26.49% PY
  Profitability (return on assets) 32.7% 3.2% 0.07%
  Average Loan Size (% of per capita income) N/A 10.00% 18.04%

Country Fast Facts

Field Partner Staff

Mukamulubu Mweemba