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Jharis

Explore

Explore the ledger

380 loans, 69 countries, 7 years of lending — slice it any way you like. Every view is drawn from the same public ledger.

Money that works twice

7.5×

Donations here don't get spent once. As borrowers repay, $5,949 of $6,870 lent has already come back — and gets lent out again. The result: roughly $921 of net donations has powered $6,870 of total lending across 385 lending actions.

Assumes repaid funds are re-lent, which is how this portfolio is run. Losses ($145.76 to date) are shown openly below.

Slice the portfolio

Combine filters — every number and chart below updates, and the URL is shareable.

Loans in view
380
Donated
$6,870
Repaid so far
$5,948.63

87% of donations in view

Countries
69

How each year's loans turned out

Every loan grouped by the year it was backed, colored by where it stands today. Older cohorts have mostly come back; newer ones are still in motion.

Does loan length change the outcome?

Every loan grouped by its repayment term, colored by where it stands today. Shorter loans dominate this portfolio; longer terms carry a bit more of the still-active and troubled weight.

Term is the scheduled repayment window Kiva lists for each loan, in months.

How long the money actually stays out

Real time from the day a loan was backed to the day it closed — repaid loans in green, the few that defaulted in red. Most capital is back within a year, ready to be lent again.

293 repaid loans (median 6.9 months to close) · 14 defaults, by time-to-default. Loans still active are not shown.

Lending cadence

Each cell is a month; darker means more donated that month. Tap or hover a cell for the exact figures.

Nothing selected — cells range from light (a few dollars) to dark (the busiest month).

Most recent loans (380 total)

Open the full ledger →

Ulises Calixto

Paying back

Barber Shop · Paraguay

via Fundación Paraguaya

Donated via Jharis
$5
Loan size
$1,475
Funded
Jun 28, 2026

KATSETSE

Fundraising

Food Production/Sales · The Democratic Republic of the Congo

via Programme d'Appui aux Initiatives de Développement Economique au Kivu (PAIDEK)

Donated via Jharis
$50
Loan size
$2,000
Funded
Jun 18, 2026

Gabriel

Paying back

Personal Expenses · Solomon Islands

via South Pacific Business Development (SPBD) - Solomon Islands

Donated via Jharis
$25
Loan size
$325
Funded
Jun 18, 2026

KAHAMBU

Paying back

Construction · The Democratic Republic of the Congo

via Programme d'Appui aux Initiatives de Développement Economique au Kivu (PAIDEK)

Donated via Jharis
$25
Loan size
$1,200
Funded
Jun 18, 2026

CORAZON ALEGRE

Paying back

Home Products Sales · Paraguay

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

Donated via Jharis
$25
Loan size
$5,975
Funded
Jun 18, 2026

Eskala

Paying back

Services · Honduras

via Eskala Inc

Donated via Jharis
$10
Loan size
$200,000
Funded
Jun 18, 2026

Cesar

Paying back

Agriculture · Colombia

via FINAMIGA UNI2

Donated via Jharis
$5
Loan size
$1,400
Funded
Jun 6, 2026

MUJERES CON VALOR AL PROGRESO

Paying back

Clothing Sales · Paraguay

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

Donated via Jharis
$25
Loan size
$6,375
Funded
Jun 3, 2026

Tamir

Paying back

Livestock · Mongolia

via VisionFund Mongolia

Donated via Jharis
$5
Loan size
$1,400
Funded
Jun 3, 2026

Showing 9 of 380 — the full list lives in the loan ledger.

Patterns worth a second look

Views drawn from the whole ledger — the crosstabs and comparisons a single ranked list can't show.

Which sectors, in which countries

The top sectors down the side, the top countries across the top. Darker cells are where this portfolio concentrates — the two-way view a single ranked list can't show.

Grocery StoreClothing SalesFarmingGeneral StorePersonal Housing ExpensesRetailAgricultureFood Production/Sales

Hover or tap a cell for the exact count.

What a loan is worth where it lands

The median loan in each country, measured against a year of local average wages. The same few hundred dollars is a rounding error in one place and most of a year's income in another — that's the leverage these loans carry.

Honduras40.8×of a year
The Democratic Republic of the Congo6.7×of a year
Rwanda5.5×of a year
Senegal1.7×of a year
Uganda1.5×of a year
Burkina Faso1.4×of a year
Bolivia1.2×of a year
India81%of a year
Guatemala75%of a year
Tajikistan50%of a year
Paraguay49%of a year
Cote D'Ivoire44%of a year

Median loan ÷ average annual wage, for countries with at least 3 loans. Wage figures are rough recent national averages — an order-of-magnitude reference, not a precise benchmark.

This portfolio vs. the average Kiva lender

Official figures from Kiva's lending stats, as of 2026-07-06. Each row uses its own scale — read the numbers, not bar-to-bar across rows.

Amount lent17× the average
Jharis$6,870.00
Avg lender$395.45
Amount repaid17× the average
Jharis$5,993.63
Avg lender$355.16
Amount lost23× the average
Jharis$145.76
Avg lender$6.27

Defaults plus currency loss

Delinquency rate1.6× the average
Jharis16.36%
Avg lender10.21%

Share of outstanding value behind schedule

Default rate
Jharis1.27%
Avg lender1.82%
Currency loss rate
Jharis1.09%
Avg lender0.00%

Loss from local-currency depreciation

Milestones along the way

Six years of steady giving, marked by the moments the ledger ticked over.

  1. May 3, 2020

    First loan backed

    Pastora — cosmetics sales in Philippines. View loan →

  2. Dec 3, 2020

    10 countries reached

    Ecuador became country number 10. View loan →

  3. Aug 18, 2021

    $1,000 donated

    Cumulative donations crossed $1,000.

  4. Jul 1, 2022

    25 countries reached

    Kosovo became country number 25. View loan →

  5. Jul 3, 2022

    Loan #100

    Sim in Cambodia became the 100th loan in the ledger. View loan →

  6. Sep 3, 2022

    $2,500 donated

    Cumulative donations crossed $2,500.

  7. Apr 18, 2023

    50 countries reached

    Puerto Rico became country number 50. View loan →

  8. Aug 3, 2023

    Loan #200

    Alvaro in Bolivia became the 200th loan in the ledger. View loan →

  9. Jun 12, 2025

    $5,000 donated

    Cumulative donations crossed $5,000.

  10. Aug 17, 2025

    Loan #300

    GRUPO SOLIDARIO in Paraguay became the 300th loan in the ledger. View loan →

  11. Jun 28, 2026

    Most recent loan

    Ulises Calixto — barber shop in Paraguay. View loan →