EBO SACCO
Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.
Partner Description:
Ebo SACCO is a member based savings and credit union operating in western Uganda. They were founded in 1995 with the mission of providing sustainable financial services that promote livelihoods of the economically active members in rural areas while preserving the environment. They achieve this goal through provision of savings and credit products targeting rural based small-holder farmers, women and youth.
A Unique Lending Approach:
Ebo SACCO uses funding from Kiva to target underserved small-holder farmers, women, youth and households in need o renewable energy alternatives. Kiva enables the partner to expand their client network to reach more underserved communities in rural areas of Uganda.
Repayment Performance on Kiva
| This Lending Partner | All Kiva Partners | ||
| Start Date On Kiva | Oct 22, 2024 | Oct 12, 2005 | |
|---|---|---|---|
| Total Loans | $2,700 | $2,041,772,805 | |
| Amount of raised Inactive loans | $0 | $341,950 | |
| Number of raised Inactive loans | 0 | 183 | |
| Amount of Paying Back Loans | $2,700 | $157,414,680 | |
| Number of Paying Back Loans | 5 | 189,201 | |
| Amount of Ended Loans | $0 | $1,843,227,680 | |
| Number of Ended Loans | 0 | 2,482,067 | |
| Delinquency Rate | 0.00% | 12.76% | |
| Amount in Arrears | $0 | $12,298,729 | |
| Outstanding Portfolio | $0 | $96,360,846 | |
| Number of Loans Delinquent | 0 | 66,079 | |
| Default Rate | 0.00% | 1.82% | |
| Amount of Ended Loans Defaulted | $0 | $33,582,045 | |
| Number of Ended Loans Defaulted | 0 | 88,667 | |
| Currency Exchange Loss Rate | 0.00% | 0.47% | |
| Amount of Currency Exchange Loss | $0 | $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 | 40.00% | 78.46% | |
|---|---|---|---|
| Average Loan Size | $540 | $393 | |
| Average Individual Loan Size | $540 | $586 | |
| Average Group Loan Size | $0 | $1,910 | |
| Average number of borrowers per group | 0 | 8.3 | |
| Average GDP per capita (PPP) in local country | $1,800 | $5,594 | |
| Average Loan Size / GDP per capita (PPP) | 30.00% | 7.02% | |
| Average Time to Fund a Loan | 0.37 days | 9.11 days | |
| Average Dollars Raised Per Day Per Loan | $1,465.93 | $43.12 | |
| Average Loan Term | 12.6 months | 11.49 months |
Journaling Performance on Kiva
| This Lending Partner | All Kiva Partners | ||
| Total Journals | 0 | 1,215,877 | |
|---|---|---|---|
| Journaling Rate | 0.00% | 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 2009 data)
| This Lending Partner | Median for MFI's in Country | All Kiva Partners | ||
| Average Cost to Borrower | N/A | N/A | 26.44% PY | |
|---|---|---|---|---|
| Profitability (return on assets) | N/A | N/A | -1.32% | |
| Average Loan Size (% of per capita income) | N/A | N/A | 0.00% |
Country Fast Facts
- Country:
- Uganda
- Capital:
- Kampala
- Official Language:
- English (official) Ganda,Luganda, other Niger-Congo languages, Nilo-Saharan languages, Swahili, Arabic
- Population:
- 35,918,915
- Avg Annual Income:
- $1,800
- Labor Force:
- agriculture: 82%, industry: 5%, services: 13%
- Population Below Poverty Line:
- 19.50%
- Literacy Rate:
- 78.40%
- Infant Mortality Rate (per 1000):
- 60.82 deaths
- Life Expectancy:
- 58.02 years
Lending Partner Staff
Sheba KeirungiEvadio Tumwesigye