There is no Lending Partner for this loan. It is part of the Direct to Social Enterprise program. For more details on DSE, please
click here. For more details on the borrower, please refer to their loan profile.
N/A, direct to Endorfin's Mission Statement
Our mission is to connect chocolate lovers in temperate regions of the world to the tropical farmers we partner with to source the incredible ingredients used in the products we produce. Additionally, despite 20+ years of organic and fair trade premiums being paid to smallholder farmers — many are still living in poverty. We are actively working to solve this problem by providing market access and financial premiums above and beyond commodity market rates and what is guaranteed by third-party certification systems. In addition to quality premiums, we are working towards developing premium programs to compensate farmers for implementing principles like agroforestry and regenerative agricultural practices. We envision a future where farmer prosperity & ecological stewardship are intrinsically linked to the enjoyment of chocolate worldwide.
Repayment Performance on Kiva
This Lending Partner
All Kiva Partners
Start Date On Kiva
Oct 18, 2018
Oct 12, 2005
Total Loans
$50,000
$2,046,857,240
Amount of raised Inactive loans
$0
$329,125
Number of raised Inactive loans
0
224
Amount of Paying Back Loans
$0
$154,628,025
Number of Paying Back Loans
0
186,271
Amount of Ended Loans
$50,000
$1,851,013,910
Number of Ended Loans
1
2,491,542
Delinquency Rate
0.00%
12.11%
Amount in Arrears
$0
$11,277,316
Outstanding Portfolio
$0
$93,149,537
Number of Loans Delinquent
0
54,545
Default Rate
0.00%
1.82%
Amount of Ended Loans Defaulted
$0
$33,742,451
Number of Ended Loans Defaulted
0
88,997
Currency Exchange Loss Rate
0.00%
0.47%
Amount of Currency Exchange Loss
$0
$12,725,634
Refund Rate
0.00%
0.53%
Amount of Refunded Loans
$0
$10,938,345
Number of Refunded Loans
0
9,670
Loan Characteristics On Kiva
Journaling Performance on Kiva
Borrowing Cost Comparison (based on 2009 data)
Country Fast Facts
Country : United States
Capital : Washington DC
Official Language : English (offical) 79.2%, Spanish 12.9%, other Indo-European 3.8%, Asian and Pacific island 3.3%, other 0.9%
Population : 318,892,103
Avg Annual Income : $54,800
Labor Force : farming, forestry, and fishing: 0.7%, manufacturing, extraction, transportation, and crafts: 20.3%, managerial, professional, and technical: 37.3%, sales and office: 24.2%, other services: 17.6%
Population Below Poverty Line : N/A
Literacy Rate : 99%
Infant Mortality Rate (per 1000) : 6.17 deaths
Life Expectancy : 78.64 years