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:

Uncommon Cacao is a social enterprise based in the United States that operates in Belize, Guatemala, Dominican Republic, Haiti and Colombia. Uncommon Cacao is a bean to bar supply chain company, that ensures chocolate makers stable access to quality cacao beans that are ethically and transparently sourced.

To source cacao for chocolate makers, Uncommon Cacao works directly with farmers, smallholder farmer groups and responsible exporters. However, the company’s value proposition is not limited to just sourcing high-quality cacao, but also includes providing chocolate makers with complete transparency around origin and farmer pricing, as well as social impact data.

A unique lending approach:

Uncommon Cacao uses Kiva financing to offer short term loans to 3 major borrowers:  producers, smallholder associations and small and medium enterprises (SMEs). Producers will use the loan to purchase inputs, smallholder associations will use the loans to purchase cacao from farmers or invest in processing equipment and SMEs will use the loans to provide extension services to farmers or to invest in processing and storage facilities.  


Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Dec 21, 2018 Oct 12, 2005
Total Loans $60,550 $1,439,510,275
Amount of raised Inactive loans $0 $1,241,575
Number of raised Inactive loans 0 123
Amount of Paying Back Loans $42,375 $146,261,900
Number of Paying Back Loans 5 163,672
Amount of Ended Loans $18,175 $1,292,006,800
Number of Ended Loans 4 1,691,893
Delinquency Rate 100.00% 22.09%
Amount in Arrears $28,032 $20,829,100
Outstanding Portfolio $28,032 $94,291,116
Number of Loans Delinquent 5 77,842
Default Rate 0.00% 1.73%
Amount of Ended Loans Defaulted $0 $22,369,195
Number of Ended Loans Defaulted 0 54,266
Currency Exchange Loss Rate 0.00% 0.39%
Amount of Currency Exchange Loss $0 $5,745,563
Refund Rate 0.00% 0.63%
Amount of Refunded Loans $0 $9,123,550
Number of Refunded Loans 0 8,449

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 0.00% 76.62%
Average Loan Size $6,728 $395
Average Individual Loan Size $6,728 $612
Average Group Loan Size $0 $1,770
Average number of borrowers per group 0 7.8
Average GDP per capita (PPP) in local country $5,300 $5,734
Average Loan Size / GDP per capita (PPP) 126.94% 6.89%
Average Time to Fund a Loan 4.75 days 7.3 days
Average Dollars Raised Per Day Per Loan $1,416.45 $54.09
  Average Loan Term 7.11 months 11.37 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 4 906,561
  Journaling Rate 44.44% 43.90%
  Average Number of Comments Per Journal 0.00 0.03
  Average Number of Recommendations Per Journal 0.00 0.71

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 N/A 25.53% PY
  Profitability (return on assets) -31.5% N/A -1.31%
  Average Loan Size (% of per capita income) N/A N/A 12.38%

Country Fast Facts

Field Partner Staff

Emily Stone