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:

Jibu (meaning “solution” in Swahili) is a social enterprise tackling the drinking water and unemployment crises by training local workers to be successful social entrepreneurs. The entrepreneurs, about half of whom are young women, are quickly expanding a network of locally-owned drinking water franchises in Uganda, Rwanda and Kenya. Each one provides affordable, safe and clean water to their underserved communities.

Jibu entrepreneurs are able to offer affordable, clean drinking water by setting up filtration systems tailored to each community, based on available water sources. Customers pay a bottle deposit and then exchange an empty bottle for a new, full bottle, avoiding any middleman markups.


A unique lending approach:

Jibu uses Kiva financing to provide credit to entrepreneurs to launch a franchise, or purchase water bottle inventory and delivery vehicles once established, allowing franchisees to quickly scale up their businesses. Loans are repaid from profits on bottle sales.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Jan 11, 2017 Oct 12, 2005
Total Loans $1,372,750 $1,609,079,370
Amount of raised Inactive loans $17,950 $859,175
Number of raised Inactive loans 2 756
Amount of Paying Back Loans $1,086,900 $165,318,825
Number of Paying Back Loans 105 202,818
Amount of Ended Loans $267,900 $1,442,901,370
Number of Ended Loans 87 1,907,547
Delinquency Rate 5.03% 17.21%
Amount in Arrears $35,442 $17,834,956
Outstanding Portfolio $647,976 $103,633,584
Number of Loans Delinquent 39 75,528
Default Rate 0.00% 1.71%
Amount of Ended Loans Defaulted $0 $24,705,555
Number of Ended Loans Defaulted 0 61,798
Currency Exchange Loss Rate 0.06% 0.40%
Amount of Currency Exchange Loss $887 $7,011,687
Refund Rate 2.03% 0.59%
Amount of Refunded Loans $27,825 $9,486,100
Number of Refunded Loans 1 8,846

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 36.41% 77.44%
Average Loan Size $7,182 $392
Average Individual Loan Size $7,182 $600
Average Group Loan Size $0 $1,805
Average number of borrowers per group 0 8
Average GDP per capita (PPP) in local country $1,800 $5,673
Average Loan Size / GDP per capita (PPP) 399.02% 6.91%
Average Time to Fund a Loan 3.23 days 8.07 days
Average Dollars Raised Per Day Per Loan $2,223.72 $48.58
  Average Loan Term 19.98 months 11.36 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 69 980,751
  Journaling Rate 50.98% 42.28%
  Average Number of Comments Per Journal 0.00 0.03
  Average Number of Recommendations Per Journal 0.00 0.67

Borrowing Cost Comparison (based on 2017 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 0% APR 31.00% PY 26.41% PY
  Profitability (return on assets) -33.84% -3.2% -0.56%
  Average Loan Size (% of per capita income) N/A 81.00% 11.35%

Country Fast Facts

Field Partner Staff

Sabina Bharwani
Joy Chemutai
Peter Kalui
Tim Kasperidus
Kudzai Munyavi
Innocent Mupenzi
Sosthene Ndayisaba
Patrick Ojok
Galen Welsch