Loan portfolio

Here is an overview of Lendahand’s investment portfolio as of 31 December 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
  • €69,315,500
  • €54,995,000
  • €14,320,500
  • 100.00%
  • Minus total repaid
  • via lendahand.com
  • via lendahand.co.uk
  • €37,236,643
  • €31,910,843
  • €5,325,800
  • 53.72%
Minus charged/defaults*€1,219,5951.76%
To be repaid€30,859,26044.52%

Outstanding investments by counterparty

CounterpartyCountryOutstanding notional
LulalendSouth Africa€2,272,525
MilaapIndia€2,265,112
Golomt BankMongolia€2,023,673
SollatekKenya€1,495,667
Opportunity BankUganda€1,473,250
REDAVIA GmbHGhana€1,136,500
VitaliteZambia€1,015,500
FinancialAccessKenya€963,925
EFC UgandaUganda€959,172
SokoKenya€831,300
candi solar AGIndia€821,875
upOwaCameroon€808,875
SolarWorks! Mozambique€785,184
Spartan Impact FinanceSouth Africa€750,000
Sistema.bioMexico€712,500
MoringawayZambia€677,650
KreditCambodia€477,040
ECS ZambiaZambia€425,000
BNFKenya€330,958
NPFCPhilippines€265,854
SolarNowUganda€262,500
Eclof ColombiaColombia€238,210
WEnergyPhilippines€166,667
MDF West Africa Ghana€150,000
AzuriKenya€123,750
SunTransferKenya€100,000
UmatiKenya€32,044
ABii NationalGhana€31,250
Vision Fund MongoliaMongolia€7,600
Agora MicrofinanceZambia€3,762

Delays

 Absolute numbers (€)As % van total outstanding
Total outstanding€30,859,260100.00%
No delay ***€30,461,36198.71%
  • €397,899
  • €265,854
  • €32,044
  • €100,000
  • 1.29%
  • 0.86%
  • 0.10%
  • 0.32%

Interest

Percentage
Average interest rate received from lenders anually.7.50%
Minus defaults1.76%
Minus costs0.00%
Minus average margin Lendahand2.99%
Average net interest for investors anually2.75%

Other statistics

First investment 5 March 2013
Total number of investments122,665
Total number of projects offered2,715
Total number of projects financed2,713
Total repaid interest€1,748,635

* 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.