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:
iDE Ghana is part of iDE, a U.S.-based, non-governmental organization that focuses on the manufacturing and distribution of affordable, scalable products for low-income communities. iDE Ghana developed a clean hygiene project to establish new, affordable toilets in rural, northern Ghana. 

Currently, the vast majority of rural Ghana does not have access to improved toilet facilities. Hygienic toilets significantly reduce the risk of waterborne diseases, which lead to severe illnesses and high healthcare costs. iDE Ghana believes that it is a basic human right for all people to have access to a hygienic toilet.

A unique lending approach:
iDE Ghana will use Kiva financing to build out their sanitary toilet program throughout rural Ghana. This program provides low-income families and communities with an in-kind loan, in the form of the toilet itself versus money, to increase health safety. 

They are committed to making their products affordable to their customers. One way iDE Ghana does this is by training their manufacturers to become salespeople to their communities, avoiding middle-man costs and empowering workers with a new skill set and additional income. iDE Ghana’s loans are provided with 0% interest, but there is a fee that goes to the salesperson. 

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Aug 16, 2017 Oct 12, 2005
Total Loans $153,550 $1,330,802,700
Amount of raised Inactive loans $0 $547,125
Number of raised Inactive loans 0 685
Amount of Paying Back Loans $131,050 $147,970,550
Number of Paying Back Loans 358 195,474
Amount of Ended Loans $22,500 $1,182,285,025
Number of Ended Loans 107 1,522,055
Delinquency Rate 48.50% 10.42%
Amount in Arrears $34,203 $9,802,012
Outstanding Portfolio $61,328 $94,101,479
Number of Loans Delinquent 304 55,529
Default Rate 13.70% 1.74%
Amount of Ended Loans Defaulted $3,082 $20,609,355
Number of Ended Loans Defaulted 12 50,258
Currency Exchange Loss Rate 0.65% 0.39%
Amount of Currency Exchange Loss $1,000 $5,175,709
Refund Rate 0.00% 0.59%
Amount of Refunded Loans $0 $7,878,725
Number of Refunded Loans 0 7,776

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 23.95% 76.40%
Average Loan Size $330 $394
Average Individual Loan Size $330 $609
Average Group Loan Size $0 $1,761
Average number of borrowers per group 0 7.7
Average GDP per capita (PPP) in local country $3,500 $5,776
Average Loan Size / GDP per capita (PPP) 9.43% 6.82%
Average Time to Fund a Loan 3.19 days 7.13 days
Average Dollars Raised Per Day Per Loan $103.66 $55.26
  Average Loan Term 14.3 months 11.34 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 177 789,496
  Journaling Rate 48.15% 43.17%
  Average Number of Comments Per Journal 0.00 0.03
  Average Number of Recommendations Per Journal 0.00 0.81

Borrowing Cost Comparison (based on 2017 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 28% APR 53.00% PY 25.36% PY
  Profitability (return on assets) 1.6% 0.3% -1.96%
  Average Loan Size (% of per capita income) N/A 13.00% 12.88%

Country Fast Facts

Field Partner Staff

Abdul-Shatar Abdullai
Edward Anim
Ebenezer Bartholomew
Tiffany Koberstein
Valerie Labi
Gordon Lau
Desmond Nakpenaah
Faustina Owusu
API Repayment Reporting
Ubaida Sanda