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:


Conserva is a Mexican microfinance institution that grants microcredits to women, mainly in the southern states of Mexico. Conserva began operations in the year 2000 in the state of Chiapas, a location that continues as its main operating area. It was started with the idea of improving women´s quality of life through education and financing opportunities. Conserva has group-lending, individual lending and home improvement loans as well as life insurance. Conserva also has social programs focused on women's preventive health, financial education and environmental training.

Repayment Performance on Kiva

    This Lending Partner All Kiva Partners
  Start Date On Kiva Mar 7, 2023 Oct 12, 2005
Total Loans $3,152,235 $1,958,174,645
Amount of raised Inactive loans $0 $177,800
Number of raised Inactive loans 0 139
Amount of Paying Back Loans $1,052,525 $160,798,330
Number of Paying Back Loans 268 188,174
Amount of Ended Loans $2,099,710 $1,768,209,155
Number of Ended Loans 518 2,369,978
Delinquency Rate 3.08% 12.26%
Amount in Arrears $20,857 $12,218,664
Outstanding Portfolio $308,855 $99,638,880
Number of Loans Delinquent 18 72,852
Default Rate 0.00% 1.83%
Amount of Ended Loans Defaulted $0 $32,286,917
Number of Ended Loans Defaulted 0 84,711
Currency Exchange Loss Rate 0.00% 0.50%
Amount of Currency Exchange Loss $11,025 $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 99.09% 78.22%
Average Loan Size $606 $392
Average Individual Loan Size $2,167 $589
Average Group Loan Size $4,025 $1,891
Average number of borrowers per group 6.7 8.3
Average GDP per capita (PPP) in local country $15,600 $5,599
Average Loan Size / GDP per capita (PPP) 3.89% 7.00%
Average Time to Fund a Loan 14.27 days 8.93 days
Average Dollars Raised Per Day Per Loan $42.47 $43.87
  Average Loan Term 4.14 months 11.47 months

Journaling Performance on Kiva

    This Lending Partner All Kiva Partners
  Total Journals 141 1,178,265
  Journaling Rate 23.11% 42.27%
  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 74.00% PY 27.02% PY
  Profitability (return on assets) 4.67% 1% -3.10%
  Average Loan Size (% of per capita income) N/A 4.00% 0.00%

Country Fast Facts

Lending Partner Staff

Pablo Antonio Colli Ventura
Miguel de Jesus Sanchez Lara