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) Tanzania is a social enterprise tackling the drinking water and unemployment crises by training local workers to be successful social entrepreneurs. The entrepreneurs are quickly expanding a network of locally-owned drinking water franchises in Tanzania. 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 Tanzania uses Kiva financing to provide credit to purchase water bottle inventory and delivery vehicles, 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 Dec 24, 2021 Oct 12, 2005
Total Loans $347,900 $1,958,960,270
Amount of raised Inactive loans $0 $198,810
Number of raised Inactive loans 0 174
Amount of Paying Back Loans $288,900 $161,515,145
Number of Paying Back Loans 72 189,106
Amount of Ended Loans $59,000 $1,768,242,580
Number of Ended Loans 20 2,370,068
Delinquency Rate 18.53% 12.15%
Amount in Arrears $30,675 $12,196,492
Outstanding Portfolio $165,435 $100,379,645
Number of Loans Delinquent 72 72,762
Default Rate 0.00% 1.83%
Amount of Ended Loans Defaulted $0 $32,307,398
Number of Ended Loans Defaulted 0 84,791
Currency Exchange Loss Rate 0.87% 0.50%
Amount of Currency Exchange Loss $3,025 $11,998,745
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 31.52% 78.24%
Average Loan Size $3,782 $392
Average Individual Loan Size $3,782 $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 $1,900 $5,599
Average Loan Size / GDP per capita (PPP) 199.03% 7.00%
Average Time to Fund a Loan 8.49 days 8.93 days
Average Dollars Raised Per Day Per Loan $445.30 $43.86
  Average Loan Term 20.04 months 11.47 months

Journaling Performance on Kiva

    This Lending Partner All Kiva Partners
  Total Journals 0 1,178,680
  Journaling Rate 0.00% 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 2009 data)

    This Lending Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower N/A 21.00% PY 27.02% PY
  Profitability (return on assets) -87.84% 0.2% -3.10%
  Average Loan Size (% of per capita income) N/A 134.00% 0.00%

Country Fast Facts

Lending Partner Staff

Godfrey Edward
Tayeb Noorbhai
Radha Sandraine