N/A, direct to Sanergy

Approved to post Kiva loans from: Kenya

Sanergy has also been Kiva's Lending Partner since September 2012 and you can read more about this partnership on their partner page. This loan is part of Kiva's Direct to Social Enterprise (DSE) program and is a loan directly to Sanergy as the borrower. To learn more about this loan, please visit the loan profile. For more details on DSE, please click here.

N/A, direct to Sanergy's Mission Statement

Sanergy builds healthy, prosperous communities by making safe sanitation, accessible and affordable for everyone, forever - starting with the urban slums of Nairobi, Kenya.To achieve this, we go beyond simply providing access to toilets, and ensure that human waste is safely removed from the community and then treated and converted into valuable agricultural end-products, such as organic fertilizer and animal feed for Kenyan farmers. Our franchise network of sanitation facilities are operated by local residents who operate them, either as small businesses or as a value-add service to their customers (such as tenants in the residential context or students at schools). They receive ongoing marketing, business and maintenance support, ensuring they run a good business and that toilets stay clean and safe for residents of slums.

Repayment Performance on Kiva

	This Lending Partner	All Kiva Partners
Start Date On Kiva	Aug 7, 2017	Oct 12, 2005
Total Loans	$150,000	$2,060,115,930
Amount of raised Inactive loans	$0	$299,975
Number of raised Inactive loans	0	329
Amount of Paying Back Loans	$0	$151,125,520
Number of Paying Back Loans	0	178,826
Amount of Ended Loans	$150,000	$1,863,396,330
Number of Ended Loans	2	2,516,664
Delinquency Rate	0.00%	11.66%
Amount in Arrears	$0	$10,619,673
Outstanding Portfolio	$0	$91,107,381
Number of Loans Delinquent	0	34,759
Default Rate	0.00%	1.83%
Amount of Ended Loans Defaulted	$0	$34,066,795
Number of Ended Loans Defaulted	0	91,292
Currency Exchange Loss Rate	0.00%	0.47%
Amount of Currency Exchange Loss	$0	$12,915,654
Refund Rate	0.00%	0.55%
Amount of Refunded Loans	$0	$11,263,070
Number of Refunded Loans	0	9,868

Loan Characteristics On Kiva

	This Lending Partner	All Kiva Partners
Loans to Women Borrowers	100.00%	78.51%
Average Loan Size	$75,000	$393
Average Individual Loan Size	$75,000	$585
Average Group Loan Size	$0	$1,913
Average number of borrowers per group	0	8.3
Average GDP per capita (PPP) in local country	$1,800	$5,592
Average Loan Size / GDP per capita (PPP)	4,166.67%	7.03%
Average Time to Fund a Loan	11.74 days	9.13 days
Average Dollars Raised Per Day Per Loan	$6,387.53	$43.03
Average Loan Term	14 months	11.5 months

Journaling Performance on Kiva

	This Lending Partner	All Kiva Partners
Total Journals	21	1,228,233
Journaling Rate	100.00%	41.93%
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	27.12% PY
Profitability (return on assets)	-19.8%	N/A	-1.71%
Average Loan Size (% of per capita income)	N/A	N/A	0.00%

Country Fast Facts

Country:: Kenya
Capital:: Nairobi
Official Language:: English (official), Kiswahili (official)
Population:: 45,010,056
Avg Annual Income:: $1,800
Labor Force:: agriculture: 75%, industry and services: 25%
Population Below Poverty Line:: 43.40%
Literacy Rate:: 87.40%
Infant Mortality Rate (per 1000):: 40.71 deaths
Life Expectancy:: 63.52 years