Kiva conducts regular, ongoing monitoring of all Lending 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 Lending Partner All Kiva Partners
  Start Date On Kiva Jan 11, 2017 Oct 12, 2005
Total Loans $2,845,500 $1,962,045,250
Amount of raised Inactive loans $0 $898,755
Number of raised Inactive loans 0 437
Amount of Paying Back Loans $1,577,150 $154,663,925
Number of Paying Back Loans 110 180,233
Amount of Ended Loans $1,268,350 $1,775,886,350
Number of Ended Loans 202 2,382,964
Delinquency Rate 5.47% 11.48%
Amount in Arrears $47,659 $10,646,073
Outstanding Portfolio $813,950 $92,699,447
Number of Loans Delinquent 32 44,536
Default Rate 0.31% 1.82%
Amount of Ended Loans Defaulted $3,930 $32,352,443
Number of Ended Loans Defaulted 1 84,926
Currency Exchange Loss Rate 1.48% 0.49%
Amount of Currency Exchange Loss $42,112 $12,026,994
Refund Rate 2.36% 0.54%
Amount of Refunded Loans $67,100 $10,526,300
Number of Refunded Loans 3 9,596

Loan Characteristics On Kiva

    This Lending Partner All Kiva Partners
  Loans to Women Borrowers 38.20% 78.24%
Average Loan Size $9,246 $392
Average Individual Loan Size $9,246 $589
Average Group Loan Size $0 $1,892
Average number of borrowers per group 0 8.3
Average GDP per capita (PPP) in local country $1,800 $5,599
Average Loan Size / GDP per capita (PPP) 513.69% 7.00%
Average Time to Fund a Loan 5.93 days 8.94 days
Average Dollars Raised Per Day Per Loan $1,560.20 $43.85
  Average Loan Term 22.65 months 11.47 months

Journaling Performance on Kiva

    This Lending Partner All Kiva Partners
  Total Journals 129 1,181,733
  Journaling Rate 49.09% 42.25%
  Average Number of Comments Per Journal 0.00 0.02
  Average Number of Recommendations Per Journal 0.00 0.57

Borrowing Cost Comparison (based on 2017 data)

    This Lending Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 0% APR 31.00% PY 27.02% PY
  Profitability (return on assets) -32.59% -3.2% -3.10%
  Average Loan Size (% of per capita income) N/A 81.00% 0.00%

Country Fast Facts

Lending Partner Staff

Sheila Adams
Leticia Arhin
Mariam Higiro
Emmanuel Kabera
Moses Kebaso
Evans Kimanzi
Edwin Kirui
Isaac Kyuka
Kennedy Mutua
Carolyne Ndibagerere
Patrick Ojok
Tosca Terra
Susan Wamae