Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

Entrepreneurs du Monde (EdM) is a French NGO created in 1998 that works with vulnerable populations in developing countries. The organization enables thousands of women and men living in extremely difficult circumstances to improve their living conditions. EDM provides support for their micro-entrepreneurs to help them access products that positively impact health, livelihood and the environment.

EdM aims to increase access to energy in developing countries by making clean, modern and affordable energy technologies (cooking and lighting equipment) available to low-income populations. The NGO operates as an incubator for social businesses, which distribute gas stoves, improved biomass stoves, solar-powered lights and solar home systems. 

EdM operates on the ground through 3 different approaches:
     • Social microfinance: Providing micro entrepreneurs in the informal sector with financial services and socio-economic services.
     • Social entrepreneurship: Encouraging the distribution of products offering significant health, economic and environmental benefits and enabling the development of local networks of independent social enterprises managed by local entrepreneurs.
     • Business development services: To support the development of SMEs in high value-added sectors that have limited access to microfinance services (for example artisanal manufacturing).

A unique lending approach
Kiva provides an important source of flexible, risk-tolerant working capital for social businesses in EdM’s network so that they can import and stock clean energy products to meet customer demand. These products positively impact health and the environment by providing a safe and clean source of energy in impoverished communities around the world. 

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Aug 1, 2012 Oct 12, 2005
Total Loans $62,350 $779,452,800
Amount of raised Inactive loans $0 $209,050
Number of raised Inactive loans 0 135
Amount of Paying Back Loans $49,950 $134,112,600
Number of Paying Back Loans 1 158,501
Amount of Ended Loans $12,400 $645,131,150
Number of Ended Loans 19 798,533
Delinquency Rate 5.56% 8.77%
Amount in Arrears $2,081 $7,822,920
Outstanding Portfolio $37,463 $89,189,348
Number of Loans Delinquent 1 30,236
Default Rate 0.00% 1.27%
Amount of Ended Loans Defaulted $0 $8,169,313
Amount of Ended Loans $12,400 $645,131,150
Number of Ended Loans Defaulted 0 21,941
Currency Exchange Loss Rate 0.00% 0.37%
Amount of Currency Exchange Loss $0 $2,861,801
Refund Rate 0.00% 0.66%
Amount of Refunded Loans $0 $5,134,575
Number of Refunded Loans 0 5,570

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 50.00% 74.54%
Average Loan Size $3,118 $413
Average Individual Loan Size $3,118 $648
Average Group Loan Size $0 $1,839
Average number of borrowers per group 0 7.9
Average GDP per capita (PPP) in local country $1,300 $5,945
Average Loan Size / GDP per capita (PPP) 239.81% 6.95%
Average Time to Fund a Loan 1.05 days 6.73 days
Average Dollars Raised Per Day Per Loan $2,973.64 $61.41
  Average Loan Term 7.5 months 10.91 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 2 382,151
  Journaling Rate 10.53% 40.76%
  Average Number of Comments Per Journal 0.50 0.06
  Average Number of Recommendations Per Journal 0.00 1.45

Borrowing Cost Comparison (based on 2015 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 0% APR N/A 29.09% PY
  Profitability (return on assets) -5% N/A -1.41%
  Average Loan Size (% of per capita income) N/A N/A 19.31%

Country Fast Facts

Field Partner Staff

Lydie Ballet
Lise Davy
Stéphanie Dietsch
Sayouba Guira
Claire Le Ster
Fathi Nouira
Thomas Thivillon