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 - 11/24/2025:

Kiva has decided to pause Jibu Tanzania’s access to fundraising loans on the Kiva platform. Due to a current inability to access liquid assets, such as cash or short-term borrowing, this organization has been unable to repay Kiva lenders in full for repayments made by Kiva borrowers. Kiva is actively monitoring Jibu Tanzania's evolving financial situation and will continue to follow up with the partner in an effort to recover payments due. We'll provide additional relevant information to lenders as it becomes available.


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 $2,207,455,025
Amount of raised Inactive loans $0 $370,075
Number of raised Inactive loans 0 187
Amount of Paying Back Loans $288,900 $151,319,190
Number of Paying Back Loans 72 178,140
Amount of Ended Loans $59,000 $2,055,765,760
Number of Ended Loans 20 2,709,065
Delinquency Rate 100.00% 10.60%
Amount in Arrears $154,581 $9,642,367
Outstanding Portfolio $154,581 $90,993,489
Number of Loans Delinquent 72 38,412
Default Rate 0.00% 1.81%
Amount of Ended Loans Defaulted $0 $37,126,124
Number of Ended Loans Defaulted 0 97,521
Currency Exchange Loss Rate 0.49% 0.39%
Amount of Currency Exchange Loss $1,695 $13,736,289
Refund Rate 0.00% 0.52%
Amount of Refunded Loans $0 $11,566,110
Number of Refunded Loans 0 9,975

Loan Characteristics On Kiva

    This Lending Partner All Kiva Partners
  Loans to Women Borrowers 31.52% 78.91%
Average Loan Size $3,782 $407
Average Individual Loan Size $3,782 $603
Average Group Loan Size $0 $1,963
Average number of borrowers per group 0 8.4
Average GDP per capita (PPP) in local country $1,900 $5,584
Average Loan Size / GDP per capita (PPP) 199.03% 7.29%
Average Time to Fund a Loan 8.49 days 9.2 days
Average Dollars Raised Per Day Per Loan $445.30 $44.30
  Average Loan Term 20.04 months 11.52 months

Journaling Performance on Kiva

    This Lending Partner All Kiva Partners
  Total Journals 0 1,304,621
  Journaling Rate 0.00% 41.69%
  Average Number of Comments Per Journal 0.00 0.02
  Average Number of Recommendations Per Journal 0.00 0.52

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 28.52% PY
  Profitability (return on assets) -170.28% 0.2% -1.40%
  Average Loan Size (% of per capita income) N/A 134.00% 0.00%

Country Fast Facts

Lending Partner Staff

Hussein Kassamali
Tayeb Noorbhai
Radha Sandraine