Update from Kiva

In May 2008, Kiva closed its partnership with Urban Ministry in good standing.

Original description

Urban Ministry Jos is a non-governmental and not-for-profit organization founded in 1991. It was started by a joint partnership between the Christian Reformed World Relief committee (CRWRC), the Christian Reformed World Mission (CRWM) and local churches.

Urban Ministry's mission is to bridge the poverty gap between rural and the urban dwellers by focusing on empowerment through access to credit facilities and enterprise development assistance. The following are the 4 core program initiatives:

  • Income Generation (micro finance)
  • Adult Literacy
  • Health education (nutrition, HIV/AIDS, etc)
  • Advocacy/Value formation
  • Urban Ministry can be contacted via email at abtstract@yahoo.com


Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Apr 19, 2007 Oct 12, 2005
Total Loans $4,900 $851,545,175
Amount of raised Inactive loans $0 $403,925
Number of raised Inactive loans 0 184
Amount of Paying Back Loans $0 $135,894,375
Number of Paying Back Loans 0 164,689
Amount of Ended Loans $4,900 $715,246,875
Number of Ended Loans 6 886,549
Delinquency Rate 0.00% 8.63%
Amount in Arrears $0 $7,551,290
Outstanding Portfolio $0 $87,497,437
Number of Loans Delinquent 0 24,676
Default Rate 0.00% 1.30%
Amount of Ended Loans Defaulted $0 $9,269,068
Amount of Ended Loans $4,900 $715,246,875
Number of Ended Loans Defaulted 0 24,055
Currency Exchange Loss Rate 0.00% 0.43%
Amount of Currency Exchange Loss $0 $3,656,456
Refund Rate 0.00% 0.64%
Amount of Refunded Loans $0 $5,429,350
Number of Refunded Loans 0 5,746

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 83.33% 74.81%
Average Loan Size $817 $408
Average Individual Loan Size $817 $642
Average Group Loan Size $0 $1,813
Average number of borrowers per group 0 7.8
Average GDP per capita (PPP) in local country $6,100 $5,938
Average Loan Size / GDP per capita (PPP) 13.39% 6.87%
Average Time to Fund a Loan 0.67 days 6.89 days
Average Dollars Raised Per Day Per Loan $1,213.15 $59.21
  Average Loan Term 12 months 11.03 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 15 424,986
  Journaling Rate 100.00% 40.70%
  Average Number of Comments Per Journal 3.73 0.06
  Average Number of Recommendations Per Journal 1.80 1.33

Borrowing Cost Comparison (based on 2009 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower N/A 39.00% PY 27.69% PY
  Profitability (return on assets) N/A 2.5% -0.65%
  Average Loan Size (% of per capita income) N/A 43.00% 19.34%

Country Fast Facts

Field Partner Staff

Kyle Abts
Moses Dahirong
Azi Samuel