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 o 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 $2,700 $2,042,136,830
Amount of raised Inactive loans $0 $356,500
Number of raised Inactive loans 0 209
Amount of Paying Back Loans $2,700 $157,764,155
Number of Paying Back Loans 5 189,647
Amount of Ended Loans $0 $1,843,227,680
Number of Ended Loans 0 2,482,067
Delinquency Rate 0.00% 12.57%
Amount in Arrears $0 $12,137,711
Outstanding Portfolio $0 $96,544,828
Number of Loans Delinquent 0 65,899
Default Rate 0.00% 1.82%
Amount of Ended Loans Defaulted $0 $33,582,045
Number of Ended Loans Defaulted 0 88,667
Currency Exchange Loss Rate 0.00% 0.47%
Amount of Currency Exchange Loss $0 $12,608,670
Refund Rate 0.00% 0.54%
Amount of Refunded Loans $0 $10,935,995
Number of Refunded Loans 0 9,668

Loan Characteristics On Kiva

    This Lending Partner All Kiva Partners
  Loans to Women Borrowers 40.00% 78.46%
Average Loan Size $540 $393
Average Individual Loan Size $540 $586
Average Group Loan Size $0 $1,910
Average number of borrowers per group 0 8.3
Average GDP per capita (PPP) in local country $1,800 $5,594
Average Loan Size / GDP per capita (PPP) 30.00% 7.02%
Average Time to Fund a Loan 0.37 days 9.11 days
Average Dollars Raised Per Day Per Loan $1,465.93 $43.11
  Average Loan Term 12.6 months 11.5 months

Journaling Performance on Kiva

    This Lending Partner All Kiva Partners
  Total Journals 0 1,216,330
  Journaling Rate 0.00% 41.89%
  Average Number of Comments Per Journal 0.00 0.02
  Average Number of Recommendations Per Journal 0.00 0.55

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 26.44% PY
  Profitability (return on assets) N/A N/A -1.32%
  Average Loan Size (% of per capita income) N/A N/A 0.00%

Country Fast Facts

Lending Partner Staff

Sheba Keirungi
Evadio Tumwesigye