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:

Agricapital, is a Colombian agro fintech established in 2017 with a mission to unlock the potential of agricultural producers in Colombia by providing tailored credit solutions. Addressing the unique needs of farmers and their crops, Agricapital ensures agile, simple, and transparent access to financing.

The institution caters to over 1.9 million small producers in Colombia, eliminating credit access barriers through its innovative technology and in-depth sector expertise. Its financing products are specifically designed to align with the cash flow cycles of agricultural activities, supporting investments for growth, diversification, sustainability, and technological advancement.

Agricapital operates through a robust distribution network comprising over 530 allied agro-commerce stores, anchor companies, and digital channels, ensuring accessibility and efficiency. The company also champions rural women’s financial inclusion, with a growing proportion of its clientele being women.

By offering credit that can be applied online or through allied stores, Agricapital empowers producers to make the necessary investments and secure the working capital their projects require, driving the development of Colombia’s agricultural sector.


Repayment Performance on Kiva

    This Lending Partner All Kiva Partners
  Start Date On Kiva Jun 4, 2025 Oct 12, 2005
Total Loans $405,110 $2,230,609,615
Amount of raised Inactive loans $0 $224,600
Number of raised Inactive loans 0 56
Amount of Paying Back Loans $382,660 $158,308,565
Number of Paying Back Loans 608 184,668
Amount of Ended Loans $22,450 $2,072,076,450
Number of Ended Loans 38 2,727,577
Delinquency Rate 1.69% 11.13%
Amount in Arrears $5,197 $10,973,860
Outstanding Portfolio $241,003 $98,561,018
Number of Loans Delinquent 82 75,521
Default Rate 0.00% 1.80%
Amount of Ended Loans Defaulted $0 $37,194,266
Number of Ended Loans Defaulted 0 97,691
Currency Exchange Loss Rate 0.00% 0.38%
Amount of Currency Exchange Loss $81 $13,796,854
Refund Rate 0.00% 0.52%
Amount of Refunded Loans $0 $11,587,485
Number of Refunded Loans 0 9,985

Loan Characteristics On Kiva

    This Lending Partner All Kiva Partners
  Loans to Women Borrowers 32.26% 78.95%
Average Loan Size $627 $409
Average Individual Loan Size $627 $604
Average Group Loan Size $0 $1,972
Average number of borrowers per group 0 8.4
Average GDP per capita (PPP) in local country $8,249 $4,377
Average Loan Size / GDP per capita (PPP) 7.60% 9.33%
Average Time to Fund a Loan 14.02 days 9.21 days
Average Dollars Raised Per Day Per Loan $44.71 $44.36
  Average Loan Term 20.13 months 11.52 months

Journaling Performance on Kiva

    This Lending Partner All Kiva Partners
  Total Journals 47 1,315,881
  Journaling Rate 0.00% 41.70%
  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 32.00% PY 28.77% PY
  Profitability (return on assets) -9.52% 5.1% -1.56%
  Average Loan Size (% of per capita income) N/A 23.00% 0.00%

Country Fast Facts

Lending Partner Staff

Luis Arango
Llily Blandon
MARIA LOPEZ
Paola Trejos
Leonardo Vásquez