iDE Cambodia
Approved to post Kiva loans from: Cambodia
iDE is an international non-profit organization that currently operates 11 country programs in Asia, Africa, and Latin America. iDE has a unique market-based approach to poverty reduction, iDE helps to build profitable enterprises and value chains that deliver sustainable social and economic benefits to the rural poor, enabling them to increase their income and improve their quality of life.
To date, the hard work and vision of iDE staff throughout the world have helped more than 19 million people lift themselves permanently out of poverty.
A unique lending approach:
iDE Cambodia has developed two loan products with Kiva.
The first is a micro-franchise model for delivering high-quality agricultural inputs and technical advice to poor farmers through private Farm Business Advisors (FBAs). These FBA’s are independent micro-entrepreneurs trained by iDE to encourage and equip farmers to grow market-oriented crops. FBAs analyze individual farm enterprises to identify opportunities, which are matched with products and services in the FBA toolkit. The toolkit includes a range of products and advice to provide farmers. Since introducing the Farm Business Advisor model in 2005, the network has grown to include about 130 FBAs that serves more than 14,000 farm households.
The other loan product that iDE offers is used to enable rural households to purchase Hydrologic ceramic water filters. This loan product will enable households to buy a ceramic water filter that will improve the health of rural households by providing sustained access to safe drinking water.
With Kiva’s support, iDE Cambodia will be able to implement these two models and reach a wider range of rural households.
To date, the hard work and vision of iDE staff throughout the world have helped more than 19 million people lift themselves permanently out of poverty.
A unique lending approach:
iDE Cambodia has developed two loan products with Kiva.
The first is a micro-franchise model for delivering high-quality agricultural inputs and technical advice to poor farmers through private Farm Business Advisors (FBAs). These FBA’s are independent micro-entrepreneurs trained by iDE to encourage and equip farmers to grow market-oriented crops. FBAs analyze individual farm enterprises to identify opportunities, which are matched with products and services in the FBA toolkit. The toolkit includes a range of products and advice to provide farmers. Since introducing the Farm Business Advisor model in 2005, the network has grown to include about 130 FBAs that serves more than 14,000 farm households.
The other loan product that iDE offers is used to enable rural households to purchase Hydrologic ceramic water filters. This loan product will enable households to buy a ceramic water filter that will improve the health of rural households by providing sustained access to safe drinking water.
With Kiva’s support, iDE Cambodia will be able to implement these two models and reach a wider range of rural households.
Repayment Performance on Kiva
| This Lending Partner | All Kiva Partners | ||
| Start Date On Kiva | Feb 4, 2014 | Oct 12, 2005 | |
|---|---|---|---|
| Total Loans | $4,784,350 | $1,977,822,930 | |
| Amount of raised Inactive loans | $0 | $726,005 | |
| Number of raised Inactive loans | 0 | 522 | |
| Amount of Paying Back Loans | $0 | $156,078,895 | |
| Number of Paying Back Loans | 0 | 184,439 | |
| Amount of Ended Loans | $4,784,350 | $1,788,760,415 | |
| Number of Ended Loans | 29,129 | 2,400,581 | |
| Delinquency Rate | 0.00% | 13.98% | |
| Amount in Arrears | $0 | $13,228,435 | |
| Outstanding Portfolio | ($0) | $94,599,620 | |
| Number of Loans Delinquent | 0 | 78,628 | |
| Default Rate | 0.52% | 1.82% | |
| Amount of Ended Loans Defaulted | $24,993 | $32,546,931 | |
| Number of Ended Loans Defaulted | 779 | 85,456 | |
| Currency Exchange Loss Rate | 0.00% | 0.49% | |
| Amount of Currency Exchange Loss | $0 | $12,117,115 | |
| Refund Rate | 0.05% | 0.55% | |
| Amount of Refunded Loans | $2,450 | $10,848,200 | |
| Number of Refunded Loans | 16 | 9,609 |
Loan Characteristics On Kiva
| This Lending Partner | All Kiva Partners | ||
| Loans to Women Borrowers | 78.25% | 78.29% | |
|---|---|---|---|
| Average Loan Size | $49 | $392 | |
| Average Individual Loan Size | $66,817 | $588 | |
| Average Group Loan Size | $157 | $1,898 | |
| Average number of borrowers per group | 3.4 | 8.3 | |
| Average GDP per capita (PPP) in local country | $2,600 | $5,597 | |
| Average Loan Size / GDP per capita (PPP) | 1.87% | 7.01% | |
| Average Time to Fund a Loan | 1.04 days | 8.97 days | |
| Average Dollars Raised Per Day Per Loan | $46.79 | $43.74 | |
| Average Loan Term | 6.4 months | 11.47 months |
Journaling Performance on Kiva
| This Lending Partner | All Kiva Partners | ||
| Total Journals | 6,409 | 1,188,535 | |
|---|---|---|---|
| Journaling Rate | 18.52% | 42.18% | |
| Average Number of Comments Per Journal | 0.00 | 0.02 | |
| Average Number of Recommendations Per Journal | 0.00 | 0.57 |
Borrowing Cost Comparison (based on 2017 data)
| This Lending Partner | Median for MFI's in Country | All Kiva Partners | ||
| Average Cost to Borrower | 28% APR | 30.00% PY | 26.71% PY | |
|---|---|---|---|---|
| Profitability (return on assets) | 11.83% | 4.6% | -3.04% | |
| Average Loan Size (% of per capita income) | N/A | 184.00% | 0.00% |
Country Fast Facts
- Country:
- Cambodia
- Capital:
- Phnom Penh
- Official Language:
- Khmer
- Population:
- 15,458,332
- Avg Annual Income:
- $2,600
- Labor Force:
- agriculture: 55.8%, industry: 16.9%, services: 27.3%
- Population Below Poverty Line:
- 20.00%
- Literacy Rate:
- 73.90%
- Infant Mortality Rate (per 1000):
- 51.36 deaths
- Life Expectancy:
- 63.78 years
Lending Partner Staff
Sop AbdulkarimSabina Bharwani
Sreylen Chhe
Sovannary Orm
Sothea Sam
Hory Tina