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:

iDE transforms the lives of marginalized communities around the world by creating lasting income and livelihood opportunities for rural families. We leverage human-centered data and market research to create functional, inclusive market systems that adapt to changing market conditions. We champion rural actors to serve as customers, entrepreneurs, sales agents, and producers because we believe that if we want to end poverty, we must empower the millions of people who now live on $2 a day to seize opportunities and prosper on their own terms. By harnessing the power of creativity and entrepreneurship, iDE develops a deep understanding of the local market and designs products and services to ensure people can benefit from them.


A unique lending approach:

iDE Ghana works with a network of farmers across Northern Ghana in multiple agricultural value chains. We have achieved significant success in providing technical support in the area of good agronomic practices through iDE field technical team who work directly with Farm Business Advisors whilst providing the critical market linkages to ensure farmers are selling at competitive market prices for increased income and profitability. A very significant drawback for the purchase and use of timely production inputs is access to credit. iDE Ghana through Kiva is seeking to provide affordable loans to help farmers optimize the attainable yields per unit area of land for enhanced income and household nutrition.


Repayment Performance on Kiva

    This Lending Partner All Kiva Partners
  Start Date On Kiva Aug 16, 2017 Oct 12, 2005
Total Loans $285,950 $2,041,772,805
Amount of raised Inactive loans $0 $341,950
Number of raised Inactive loans 0 183
Amount of Paying Back Loans $75,825 $157,414,680
Number of Paying Back Loans 60 189,201
Amount of Ended Loans $210,125 $1,843,227,680
Number of Ended Loans 506 2,482,067
Delinquency Rate 0.00% 12.76%
Amount in Arrears $0 $12,298,729
Outstanding Portfolio $75,825 $96,360,846
Number of Loans Delinquent 0 66,079
Default Rate 5.38% 1.82%
Amount of Ended Loans Defaulted $11,311 $33,582,045
Number of Ended Loans Defaulted 93 88,667
Currency Exchange Loss Rate 5.28% 0.47%
Amount of Currency Exchange Loss $15,085 $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 33.28% 78.46%
Average Loan Size $101 $393
Average Individual Loan Size $346 $586
Average Group Loan Size $1,347 $1,910
Average number of borrowers per group 26 8.3
Average GDP per capita (PPP) in local country $3,500 $5,594
Average Loan Size / GDP per capita (PPP) 2.90% 7.02%
Average Time to Fund a Loan 5.89 days 9.11 days
Average Dollars Raised Per Day Per Loan $17.23 $43.12
  Average Loan Term 13.66 months 11.49 months

Journaling Performance on Kiva

    This Lending Partner All Kiva Partners
  Total Journals 663 1,215,877
  Journaling Rate 86.90% 41.90%
  Average Number of Comments Per Journal 0.00 0.02
  Average Number of Recommendations Per Journal 0.00 0.56

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 53.00% PY 26.44% PY
  Profitability (return on assets) 6.55% 0.3% -1.32%
  Average Loan Size (% of per capita income) N/A 13.00% 0.00%

Country Fast Facts

Lending Partner Staff

Abdul-Shatar Abdullai
Hilda Wunniche Alhassan
Rasheed Alhassan
Dorcas Amarteley
Kwabena Anafo
Sabina Bharwani
Abdul-Mumin Damba
Jeminu Gariba
Tiffany Koberstein
Desmond Yesseh