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:

Digital Divide Data is a social enterprise that employs talented disadvantaged youth across Cambodia, Kenya, and Laos. The company provides digital content services, including digitization, data conversion, process automation, and web and field research services for clients around the world.
Employees at Digital Divide Data have access to an intensive work-study program that allows them to grow as they learn basic skills, develop technical capabilities, and earn degrees that enable them develop professionally.

A unique lending approach:

Digital Divide Data recruits highly-motivated youth from poor families, with an equal share of female and male individuals, and trains them to perform digital work for global clients, while offering them an opportunity to earn university degrees.
Kiva funding is used to help students pay for a share of their university tuition fees, as a complement to scholarships provided by the company. These loans will be used by students to pay for expenses that are not covered by the scholarships and also for personal hardships.

Loans will be provided at 0% interest rate in the majority of cases and at 4% to contribute to covering administrative costs in geographies where costs to manage the loan program are more elevated.

Repayment Performance on Kiva

    This Lending Partner All Kiva Partners
  Start Date On Kiva Dec 9, 2015 Oct 12, 2005
Total Loans $417,350 $1,959,307,040
Amount of raised Inactive loans $0 $222,235
Number of raised Inactive loans 0 190
Amount of Paying Back Loans $12,075 $161,570,650
Number of Paying Back Loans 42 189,208
Amount of Ended Loans $405,275 $1,768,476,020
Number of Ended Loans 699 2,370,357
Delinquency Rate 57.85% 12.09%
Amount in Arrears $1,226 $12,154,807
Outstanding Portfolio $2,014 $100,506,286
Number of Loans Delinquent 35 72,423
Default Rate 5.93% 1.83%
Amount of Ended Loans Defaulted $24,032 $32,355,409
Number of Ended Loans Defaulted 113 84,925
Currency Exchange Loss Rate 0.01% 0.50%
Amount of Currency Exchange Loss $25 $12,005,888
Refund Rate 1.66% 0.54%
Amount of Refunded Loans $6,925 $10,526,300
Number of Refunded Loans 15 9,596

Loan Characteristics On Kiva

    This Lending Partner All Kiva Partners
  Loans to Women Borrowers 51.39% 78.24%
Average Loan Size $430 $392
Average Individual Loan Size $584 $589
Average Group Loan Size $407 $1,892
Average number of borrowers per group 3.4 8.3
Average GDP per capita (PPP) in local country $54,800 $5,600
Average Loan Size / GDP per capita (PPP) 0.78% 7.00%
Average Time to Fund a Loan 3.76 days 8.93 days
Average Dollars Raised Per Day Per Loan $114.22 $43.86
  Average Loan Term 19.24 months 11.47 months

Journaling Performance on Kiva

    This Lending Partner All Kiva Partners
  Total Journals 412 1,178,731
  Journaling Rate 48.22% 42.24%
  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 2020 data)

    This Lending Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 0% APR 36.00% PY 27.02% PY
  Profitability (return on assets) 20.87% 0.5% -3.10%
  Average Loan Size (% of per capita income) N/A 56.00% 0.00%

Country Fast Facts

Lending Partner Staff

Maiserros Him
Sopheap Im
Viengsone Keosychanh
Marion Ngari
Chanthou Seng
Dany Sor
Chinda Thoeun
Daniel Thuo