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:

CSC Empowerment and Inclusion (CEIP) was founded in 2015 as the microfinance wing of CSC, an organization that focuses on social inclusion and socio-economic development of marginalized communities, especially women and youth. CEIP is committed to enhancing financial inclusion by creating an enabling financial environment for low-income communities, operating as a non-bank microfinance company.


The primary goal of CEIP is to empower economically disadvantaged individuals in Pakistan, including the poor, landless, and asset-less, by providing access to resources for productive self-employment. This approach encourages individuals to engage in income-generating activities that alleviate poverty and enhance their overall quality of life. 


In addition to providing credit, CEIP also offers financial literacy, skills training, health and hygiene initiatives, and micro-insurance. Together, these comprehensive support services facilitate the creation of sustainable businesses that can support borrowers and their families in the long term.


A unique lending approach:


CEIP uses Kiva funding to provide innovative loan products that harness the economic potential of women in Pakistan. Through these loan products and comprehensive support services, CEIP is also facilitating remarkable social change, including increased female mobility, increased family decision-making, and a reduction in domestic violence.


Repayment Performance on Kiva

    This Lending Partner All Kiva Partners
  Start Date On Kiva Sep 24, 2025 Oct 12, 2005
Total Loans $208,700 $2,237,638,285
Amount of raised Inactive loans $0 $890,225
Number of raised Inactive loans 0 241
Amount of Paying Back Loans $208,700 $153,819,070
Number of Paying Back Loans 499 178,316
Amount of Ended Loans $0 $2,082,928,990
Number of Ended Loans 0 2,743,089
Delinquency Rate 0.00% 9.68%
Amount in Arrears $0 $9,105,273
Outstanding Portfolio $146,703 $94,018,777
Number of Loans Delinquent 0 38,329
Default Rate 0.00% 1.79%
Amount of Ended Loans Defaulted $0 $37,184,828
Number of Ended Loans Defaulted 0 97,707
Currency Exchange Loss Rate 0.00% 0.38%
Amount of Currency Exchange Loss $0 $13,857,144
Refund Rate 0.00% 0.52%
Amount of Refunded Loans $0 $11,588,415
Number of Refunded Loans 0 9,987

Loan Characteristics On Kiva

    This Lending Partner All Kiva Partners
  Loans to Women Borrowers 100.00% 78.98%
Average Loan Size $397 $409
Average Individual Loan Size $400 $604
Average Group Loan Size $1,531 $1,974
Average number of borrowers per group 4.4 8.4
Average GDP per capita (PPP) in local country $1,707 $4,376
Average Loan Size / GDP per capita (PPP) 23.24% 9.34%
Average Time to Fund a Loan 8.95 days 9.21 days
Average Dollars Raised Per Day Per Loan $44.33 $44.40
  Average Loan Term 12.99 months 11.52 months

Journaling Performance on Kiva

    This Lending Partner All Kiva Partners
  Total Journals 1 1,318,226
  Journaling Rate 0.00% 41.64%
  Average Number of Comments Per Journal 0.00 0.02
  Average Number of Recommendations Per Journal 0.00 0.51

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 28.97% PY
  Profitability (return on assets) 3.31% N/A -1.29%
  Average Loan Size (% of per capita income) N/A N/A 0.00%

Country Fast Facts

Lending Partner Staff

Syeda Nadeem