Retail

23 loans funded in this sector across 10 countries via 12 field partners. Ranked #6 of 76 sectors.

Overview

Loans: 23
Donated via Jharis: $420
Repayment rate: 90%
Defaulted: $0.00
Avg loan size: $2,800
Avg Jharis donation: $18.26
Default rate: 0.0%
Active loans: 5

Performance

Funded vs. repaid over time

Cumulative amount funded by the Kiva crowd compared to what's come back. The gap is what's still outstanding.

Outstanding as of 2026-05: $6,269

Risk & loss breakdown

Where the slice has gone wrong, and how that compares to the rest of the portfolio.

Repayment rate

90.3%

+0.4pp

Portfolio: 89.9%

paid / funded

Default rate

0.0%

-3.7pp

Portfolio: 3.7%

share of loans marked defaulted

Currency + default loss

1.90%

of amount funded

$ lost / $ funded

Delinquency in active loans

0.0%

0 of 5 active

currently behind schedule

Outcomes

Every loan in this slice grouped by current status — repaid, paying back, defaulted and everything in between.

Cohorts

Cohort analysis by funding year

Each row groups every loan funded in that year. Older cohorts have had more time to repay or default.

Year	Loans	Funded	Repaid	Repayment %	Default %
2021	3	$9,300	$9,300	100.0%	0.0%
2022	7	$23,900	$23,900	100.0%	0.0%
2023	3	$2,100	$2,100	100.0%	0.0%
2025	2	$6,125	$6,125	100.0%	0.0%
2026	8	$22,975	$16,706	72.7%	0.0%

When the loans were funded

Cumulative count of loans in this slice, by month.

First 2021-02 · Latest 2026-05

Composition

Loan size distribution

What size are these loans? Bigger loans tend to fund inventory, equipment, or group lending; smaller ones cover personal needs.

Mean $2,800 · Median $2,775

Top countries for this sector

Where this kind of work is funded most.

Top partners funding this sector

Local institutions specialising in this area.

Borrower gender

As reported on Kiva. Group loans counted by listed lead.

Compare

Similar sectors in this portfolio

Neighbours by loan count, with their repayment and default rates.

NameLoansRepaidDefault

Top countries for this sector

Where this kind of work is funded most.

Top partners funding this sector

Local institutions specialising in this area.

Recent activity

Most recent loans

The latest loans funded in this slice.

All loans (23)

Lucia

Retail · Philippines

via Community Economic Ventures, Inc. (CEVI)

Donated via Jharis: $25
Loan size: $175
Funded: May 19, 2026

Carlos Antonio

Retail · Paraguay

via Fundación Paraguaya

Donated via Jharis: $5
Loan size: $1,650
Funded: May 3, 2026

Flor de Jazmin 2

Retail · Guatemala

via Asociación Chajulense de Mujeres (ACMUV)

Donated via Jharis: $5
Loan size: $3,925
Funded: Apr 14, 2026

ESPERANZA EN CRISTO

Retail · Paraguay

via Diaconía Asociacion para el Desarrollo de Paraguay (Diaconía ADP)

Donated via Jharis: $25
Loan size: $1,825
Funded: Mar 19, 2026

SAN MIGUEL ARCANGEL

Retail · Paraguay

via Diaconía Asociacion para el Desarrollo de Paraguay (Diaconía ADP)

Donated via Jharis: $25
Loan size: $3,750
Funded: Mar 19, 2026

EMPRENDEDORAS ARROYENSES

Retail · Paraguay

via Diaconía Asociacion para el Desarrollo de Paraguay (Diaconía ADP)

Donated via Jharis: $25
Loan size: $4,050
Funded: Mar 19, 2026

MUJERES EMPODERADAS

Retail · Paraguay

via Diaconía Asociacion para el Desarrollo de Paraguay (Diaconía ADP)

Donated via Jharis: $25
Loan size: $3,250
Funded: Jan 18, 2026

LAS VENCEDORAS 2

Retail · Paraguay

via Diaconía Asociacion para el Desarrollo de Paraguay (Diaconía ADP)

Donated via Jharis: $25
Loan size: $4,350
Funded: Jan 18, 2026

VY´A RENDA

Retail · Paraguay

via Diaconía Asociacion para el Desarrollo de Paraguay (Diaconía ADP)

Donated via Jharis: $25
Loan size: $3,350
Funded: Nov 17, 2025

LA FORTALEZA DE JAS

Repaid (with loss)

Retail · Paraguay

via Diaconía Asociacion para el Desarrollo de Paraguay (Diaconía ADP)

Donated via Jharis: $25
Loan size: $2,775
Funded: Sep 17, 2025

Agnes

Repaid (with loss)

Retail · Ghana

via Camfed Ghana

Donated via Jharis: $10
Loan size: $725
Funded: Aug 22, 2023

Lily

Retail · Papua New Guinea

via Women's Micro Bank (WMB)

Donated via Jharis: $5
Loan size: $1,125
Funded: Jul 18, 2023

Anibal Francisco

Retail · Colombia

via Interactuar

Donated via Jharis: $5
Loan size: $250
Funded: Jun 20, 2023

Maria Teresa

Retail · Nicaragua

via MiCredito

Donated via Jharis: $5
Loan size: $1,500
Funded: Nov 3, 2022

Anabelt Del Carmen

Retail · Nicaragua

via MiCredito

Donated via Jharis: $5
Loan size: $1,200
Funded: Nov 3, 2022

Karen Raquel

Retail · Nicaragua

via MiCredito

Donated via Jharis: $5
Loan size: $700
Funded: Nov 3, 2022

Vladimir

Repaid (with loss)

Retail · Moldova

via OCN Prima Finantare SRL

Donated via Jharis: $25
Loan size: $1,900
Funded: Apr 27, 2022

SHAURI III

Retail · The Democratic Republic of the Congo

via Hekima

Donated via Jharis: $25
Loan size: $9,400
Funded: Apr 20, 2022

01_LEHAR

Repaid (with loss)

Retail · Senegal

via CAURIE Microfinance

Donated via Jharis: $25
Loan size: $4,400
Funded: Apr 19, 2022

10 PS 1 TABLEAU SERIGNE MANSOUR

Repaid (with loss)

Retail · Senegal

via CAURIE Microfinance

Donated via Jharis: $25
Loan size: $4,800
Funded: Feb 21, 2022

06_KEUR ALÉ MARAME

Repaid (with loss)

Retail · Senegal

via CAURIE Microfinance

Donated via Jharis: $25
Loan size: $3,550
Funded: Nov 18, 2021

01_SEBI TANGOR

Repaid (with loss)

Retail · Senegal

via CAURIE Microfinance

Donated via Jharis: $25
Loan size: $5,325
Funded: Jun 17, 2021

Carmelita

Retail · Philippines

via Negros Women for Tomorrow Foundation (NWTF)

Donated via Jharis: $25
Loan size: $425
Funded: Feb 3, 2021

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