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:

Ebo SACCO is a member based savings and credit union operating in western Uganda. They were founded in 1995 with the mission of providing sustainable financial services that promote livelihoods of the economically active members in rural areas while preserving the environment. They achieve this goal through provision of savings and credit products targeting rural based small-holder farmers, women and youth.


A Unique Lending Approach:


Ebo SACCO uses funding from Kiva to target underserved small-holder farmers, women, youth and households in need of renewable energy alternatives. Kiva enables the partner to expand their client network to reach more underserved communities in rural areas of Uganda.


Repayment Performance on Kiva

    This Lending Partner All Kiva Partners
  Start Date On Kiva Oct 22, 2024 Oct 12, 2005
Total Loans $1,812,645 $2,220,989,770
Amount of raised Inactive loans $0 $416,325
Number of raised Inactive loans 0 144
Amount of Paying Back Loans $1,294,005 $152,190,555
Number of Paying Back Loans 1,758 176,536
Amount of Ended Loans $518,640 $2,068,382,890
Number of Ended Loans 764 2,725,882
Delinquency Rate 1.13% 10.42%
Amount in Arrears $9,499 $9,589,963
Outstanding Portfolio $726,950 $92,052,533
Number of Loans Delinquent 73 38,853
Default Rate 0.00% 1.80%
Amount of Ended Loans Defaulted $0 $37,182,929
Number of Ended Loans Defaulted 0 97,657
Currency Exchange Loss Rate 0.00% 0.39%
Amount of Currency Exchange Loss $1,911 $13,796,785
Refund Rate 0.00% 0.52%
Amount of Refunded Loans $0 $11,580,885
Number of Refunded Loans 0 9,981

Loan Characteristics On Kiva

    This Lending Partner All Kiva Partners
  Loans to Women Borrowers 55.21% 78.94%
Average Loan Size $621 $408
Average Individual Loan Size $701 $604
Average Group Loan Size $1,324 $1,968
Average number of borrowers per group 6.5 8.4
Average GDP per capita (PPP) in local country $1,353 $4,378
Average Loan Size / GDP per capita (PPP) 45.88% 9.32%
Average Time to Fund a Loan 16.15 days 9.21 days
Average Dollars Raised Per Day Per Loan $38.43 $44.32
  Average Loan Term 12.68 months 11.52 months

Journaling Performance on Kiva

    This Lending Partner All Kiva Partners
  Total Journals 691 1,310,683
  Journaling Rate 72.76% 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 N/A 28.52% PY
  Profitability (return on assets) 3.94% N/A -1.51%
  Average Loan Size (% of per capita income) N/A N/A 0.00%

Country Fast Facts

Lending Partner Staff

JUSTINA AINOMUGISHA
DORCUS AKAMPURIRA
LOICE ARINAITWE
SANDRA ARINANYE
JALIA ATUHAIRWE
BABRAH ATWEBEMBEIRE
SHARLOTE AYEBAZIBWE
LILIAN BUSINGYE
KANKUNDA CATHERINE
ARINDA GODWIN
Kokunda Immaculate
LOYCE KAAHWA
ALICE KASANDE
Sheba Keirungi
BRENDA KYAMPAIRE
PRISCA KYASIMIIRE
JOSEPH MUGUME
RABECCA NAGASHA
JULIAN NAHWERA
ANNAH NIMUSIIMA
Ninsima Phionah
KYAGIZIRE SAPHRA
DIANAH TASHOBYA
Evadio Tumwesigye