Loan portfolio

Here is an overview of Lendahand’s investment portfolio as of 31 August 2019. The figures below reflect investments via local partners, direct investments and co-financing. This page is updated automatically every month.

Outstanding investments

Absolute numbers (€)As % of total investments
  • Total investments
  • via lendahand.com
  • via lendahand.co.uk
  • €59,099,450
  • €47,799,450
  • €11,300,000
  • 100.00%
  • Minus total repaid
  • via lendahand.com
  • via lendahand.co.uk
  • €30,780,866
  • €27,230,866
  • €3,550,000
  • 52.08%
Minus charged/defaults*€1,219,5952.06%
To be repaid€27,098,98845.85%

Outstanding investments by counterparty

CounterpartyCountryOutstanding notional
MilaapIndia€2,132,200
Golomt BankMongolia€2,128,658
Opportunity BankUganda€1,896,200
SollatekKenya€1,456,583
FinancialAccessKenya€1,198,950
LulalendSouth Africa€1,176,700
upOwaCameroon€958,875
EFC UgandaUganda€892,100
VitaliteZambia€866,500
SolarWorks! Mozambique€776,850
candi solar AGIndia€750,000
KreditCambodia€719,796
REDAVIA GmbHGhana€500,000
MAXIMACambodia€356,695
Sistema.bioMexico€350,000
Eclof ColombiaColombia€344,510
MoringawayZambia€320,200
BNFKenya€310,516
NPFCPhilippines€265,878
SolarNowUganda€262,500
Spartan Impact FinanceSouth Africa€250,000
MDF West Africa Ghana€225,000
ECS ZambiaZambia€225,000
WEnergyPhilippines€216,667
AzuriKenya€215,000
SunTransferKenya€100,000
CrystalGeorgia€91,179
ABii NationalGhana€62,500
Vision Fund MongoliaMongolia€34,632
UmatiKenya€32,044
Agora MicrofinanceZambia€7,737

Delays

 Absolute numbers (€)As % van total outstanding
Total outstanding€27,098,988100.00%
No delay ***€26,733,10998.65%
  • €365,878
  • €265,878
  • €100,000
  • 1.35%
  • 0.98%
  • 0.37%

Interest

Percentage
Average interest rate received from lenders anually.7.50%
Minus defaults2.06%
Minus costs0.00%
Minus average margin Lendahand3.00%
Average net interest for investors anually2.44%

Other statistics

First investment 5 March 2013
Total number of investments107,396
Total number of projects offered2,610
Total number of projects financed2,610
Total repaid interest€1,508,184
To be repaid interest€976,434

* The total amount of write-offs (also: 'defaults') are the amounts for which it is reasonable to expect that they will not be repaid to the investors. A partial write-off is also possible if there has been a partial repayment. A bankruptcy does not necessarily mean a write-off when it is still reasonable to expect that the loan can be repaid through foreclosure. (A bankruptcy is a write-off if no repayment can be expected)

** Arrears of >45, >90 or >180 days refer to the sum of all outstanding repayments for loans whereby the borrower is at least 45, 90 or 180 days behind on repayment with respect to the agreed repayment date. (source: Branchvereniging Crowdfunding Nederland)

*** Including delays up to 45 days

Lendahand is committed to a transparent crowdfunding market. That is why we made a commitment to the Branchevereniging Nederland Crowdfunding on displaying the status of financing on our platform. Please note that the crowdfunding market is relatively new and evolving. Past performance is no guarantee of future results.