There is no Field Partner for this loan. It is part of the Direct to Social Enterprise program. For more details on DSE, please" click here. "For more details on the borrower, please refer to their loan profile. *** Kiva and Pawame have agreed to end their partnership after Pawame fully paid back their USD50k loan. Pawame successfully raised USD2mm as part of their Series B in 2018. Pawame"has repaid its outstanding balance to Kiva in full, and these funds have been distributed to lenders. We thank Pawame for their collaboration and wish them success in their future endeavors. *** Pawame reinitiated relationship with LSE in 2021 due to COVID-19 related liquidity issues.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Apr 22, 2017 Oct 12, 2005
Total Loans $250,000 $1,757,253,975
Amount of raised Inactive loans $0 $440,275
Number of raised Inactive loans 0 146
Amount of Paying Back Loans $200,000 $162,405,770
Number of Paying Back Loans 1 193,205
Amount of Ended Loans $50,000 $1,591,165,905
Number of Ended Loans 1 2,108,647
Delinquency Rate 66.67% 15.57%
Amount in Arrears $133,332 $15,684,662
Outstanding Portfolio $200,000 $100,723,775
Number of Loans Delinquent 1 72,491
Default Rate 0.00% 1.69%
Amount of Ended Loans Defaulted $0 $26,900,027
Number of Ended Loans Defaulted 0 70,065
Currency Exchange Loss Rate 0.00% 0.46%
Amount of Currency Exchange Loss $0 $9,201,759
Refund Rate 0.00% 0.57%
Amount of Refunded Loans $0 $9,961,195
Number of Refunded Loans 0 9,182

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 0.00% 77.81%
Average Loan Size $125,000 $388
Average Individual Loan Size $125,000 $594
Average Group Loan Size $0 $1,839
Average number of borrowers per group 0 8.2
Average GDP per capita (PPP) in local country $1,800 $5,629
Average Loan Size / GDP per capita (PPP) 6,944.44% 6.90%
Average Time to Fund a Loan 14.31 days 8.43 days
Average Dollars Raised Per Day Per Loan $8,738.17 $46.06
  Average Loan Term 19 months 11.38 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 6 1,070,835
  Journaling Rate 100.00% 42.46%
  Average Number of Comments Per Journal 0.00 0.03
  Average Number of Recommendations Per Journal 0.00 0.62

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 36.00% PY 26.27% PY
  Profitability (return on assets) N/A 0.5% 0.00%
  Average Loan Size (% of per capita income) N/A 56.00% 0.00%

Country Fast Facts

Field Partner Staff

Laura */*/
Maurice */*/
Solomon */*/
Wangechi */*/