Zidisha Statistics


Display Statistics for:

Cumulative Statistics

These statistics apply to all lending activity that has taken place on Zidisha since our founding in 2009.

Loans raised: The cumulative US Dollar amount of loans fully funded by lenders and accepted by borrowers.
USD 1,937,412

Businesses financed: The cumulative number of loans fully funded by lenders and accepted by borrowers.
5,986

Number of registered lenders:
7,743

Number of registered borrowers:
4,915

Countries represented by Zidisha members:
129

Average lender interest: The average lender interest rate of all loans fully funded by lenders and accepted by borrowers, weighted by the dollar amount of each lender's share. Interest is expressed as a flat percentage of loan principal per year the loan is held.
5.27%

Percent of ended loans that have been repaid: The total amount that has been repaid for all ended loans, divided by the total amount that was due to be repaid for all ended loans.

For the purpose of this calculation, ended loans include all loans whose final repayment installment due date has passed, even if the borrower is still actively repaying.
74.43%

Percent of ended loans repaying late: The total amount that is still outstanding with borrowers for all ended loans, divided by the total amount that was due to be repaid for all ended loans. For the purpose of this calculation, ended loans include all loans whose final repayment installment due date has passed.
5.57%

Percent of ended loans that have been forgiven: The value of all loan amounts forgiven by lenders, divided by the value of all ended loans. For this calculation, ended loans include all loans whose final repayment due date has passed.
1.30%

Percent of ended loans that have been written off: The value of all loans that have been written off since Zidisha's founding, divided by the value of all loans that were due to be fully repaid since Zidisha's founding.

All loan amounts not repaid six months after their final repayment due dates are written off. In addition, all loan amounts still outstanding with borrowers who have not made any repayment for six months or more are written off.
18.64%


On-Time Repayments Over Time

This graph tracks trends in on-time repayment levels of loans issued through Zidisha over time. The green line depicts the average first installment on-time repayment rate of all loans funded during each calendar year. The orange line depicts the average on-time repayment rate of all installments that have fallen due for the same loans as of March 25, 2014.

On-time repayments are defined here as the amounts paid in full (within a threshold of ten dollars or the value of the installment amount, whichever is lesser) within ten days of the due date.

You may view the individual loan profiles that provided the raw data for this graph here.





Active Loan Statistics

These statistics apply only to loan amounts that are currently outstanding with borrowers: the dollar amounts have been sent to borrowers and have not yet been paid back, or forgiven or written off.

Report for All Countries

Category Principal outstanding The principal portion of loan funds that are still held by borrowers: i.e. the portion of loan principal that has been disbursed and not yet repaid. Note that this does not include interest owed. Percentage of Total The total principal outstanding in each category, as a percentage of the total principal outstanding in the country or set of countries included in the report.
Paying back on time Loans that have not been rescheduled and are fully up to date or less than 31 days behind on scheduled repayments, within a margin of USD 10.345,978 (USD)48.67%
Paying back on time (rescheduled) Loans that have been rescheduled and are fully up to date or less than 31 days behind on the rescheduled repayments, within a margin of USD 10.138,074 (USD)19.43%
Paying back 31 - 90 days late Loans that have not been rescheduled and are between 31 and 90 days behind on scheduled repayments, within a margin of USD 10.33,184 (USD)4.67%
Paying back 31 – 90 days late (rescheduled) Loans that have been rescheduled and are between 31 and 90 days behind on the rescheduled repayments, within a margin of USD 10.35,945 (USD)5.06%
Paying back 91 - 180 days late Loans that have not been rescheduled and are between 91 and 180 days behind on scheduled repayments, within a margin of USD 10.41,742 (USD)5.87%
Paying back 91 - 180 days late (rescheduled) Loans that have been rescheduled and are between 91 and 180 days behind on the rescheduled repayments, within a margin of USD 10.68,596 (USD)9.65%
Paying back over 180 days late Loans that have not been rescheduled and are more than 180 days behind on scheduled repayments, within a margin of USD 10.23,018 (USD)3.24%
Paying back over 180 days late (rescheduled) Loans that have been rescheduled and are more than 180 days behind on the rescheduled repayments, within a margin of USD 10.24,264 (USD)3.41%
Total710,801 (USD)100%