Kiva conducts regular, ongoing monitoring of all Lending Partners, but only posts status updates here in response to relevant, major changes at the partner.


Status Update- March 23rd, 2023


​Kiva and Uncommon Cacao have agreed to end their partnership after nearly 5 years and more than $130,000 in loans raised. This partner has repaid its outstanding balance to Kiva in full, and these funds have been distributed to lenders. We thank Uncommon Cacao for the years of collaboration and wish them success in their future endeavors.



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 Lending Partner All Kiva Partners
  Start Date On Kiva Dec 21, 2018 Oct 12, 2005
Total Loans $134,125 $1,958,611,875
Amount of raised Inactive loans $0 $197,655
Number of raised Inactive loans 0 175
Amount of Paying Back Loans $0 $161,174,305
Number of Paying Back Loans 0 188,688
Amount of Ended Loans $134,125 $1,768,236,180
Number of Ended Loans 15 2,370,063
Delinquency Rate 0.00% 12.20%
Amount in Arrears $0 $12,200,290
Outstanding Portfolio $0 $100,036,204
Number of Loans Delinquent 0 72,767
Default Rate 0.00% 1.83%
Amount of Ended Loans Defaulted $0 $32,303,600
Number of Ended Loans Defaulted 0 84,786
Currency Exchange Loss Rate 0.00% 0.49%
Amount of Currency Exchange Loss $0 $11,931,838
Refund Rate 0.00% 0.54%
Amount of Refunded Loans $0 $10,526,300
Number of Refunded Loans 0 9,596

Loan Characteristics On Kiva

    This Lending Partner All Kiva Partners
  Loans to Women Borrowers 0.00% 78.22%
Average Loan Size $8,942 $392
Average Individual Loan Size $8,942 $589
Average Group Loan Size $0 $1,891
Average number of borrowers per group 0 8.3
Average GDP per capita (PPP) in local country $5,300 $5,599
Average Loan Size / GDP per capita (PPP) 168.71% 7.00%
Average Time to Fund a Loan 4.61 days 8.93 days
Average Dollars Raised Per Day Per Loan $1,938.94 $43.87
  Average Loan Term 8.8 months 11.47 months

Journaling Performance on Kiva

    This Lending Partner All Kiva Partners
  Total Journals 4 1,178,609
  Journaling Rate 26.67% 42.26%
  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 2009 data)

    This Lending Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower N/A N/A 27.02% PY
  Profitability (return on assets) -11.55% N/A -3.10%
  Average Loan Size (% of per capita income) N/A N/A 0.00%

Country Fast Facts

Lending Partner Staff

Emily Stone