Loan portfolio

funding gap emerging markets

Here is an overview of Lendahand’s investment portfolio as of 31 December 2021. 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
  • €117,528,400
  • €87,162,400
  • €30,366,000
  • 100.00%
  • Minus total repaid
  • via lendahand.com
  • via lendahand.co.uk
  • €75,183,520
  • €59,625,720
  • €15,557,800
  • 63.97%
  • Minus charged/defaults*
  • via lendahand.com
  • via lendahand.co.uk
  • €1,539,588
  • €1,469,588
  • €70,000
  • 1.31%
To be repaid€40,805,29134.72%

Outstanding investments by counterparty

CounterpartyCountryOutstanding notional
Funding SocietiesIndonesia€3,002,875
REDAVIA GmbHGhana€2,651,666
EFC UgandaUganda€1,990,184
YAKRwanda€1,625,000
SollatekKenya€1,565,749
Mikro KapitalMoldova€1,250,208
Fortem HoldingsKenya€1,193,750
MiCreditoNicaragua€1,000,000
TugendeUganda€1,000,000
Sistema.bioMexico€958,518
SokoKenya€936,523
BWISEEcuador€892,857
upOwaCameroon€750,824
KoriPeru€660,187
Golomt BankMongolia€657,254
Phillip Bank Cambodia€630,877
SolarWorks! Mozambique€626,967
MilaapIndia€608,025
VitaliteZambia€505,112
ECS ZambiaZambia€425,000
LulalendSouth Africa€350,000
First Finance Cambodia€350,000
CrezeMexico€350,000
candi solar AGIndia€336,250
MoringawayZambia€331,300
SolarNowUganda€157,500
BNFKenya€143,516
FinancialAccessKenya€112,000
Eclof ColombiaColombia€101,252
SunTransferKenya€100,000
UmatiKenya€32,044

Delays

 Absolute numbers (€)As % van total outstanding
Total outstanding€40,805,291100.00%
No delay ***€36,876,30590.37%
  • €3,928,985
  • €101,252
  • €148,383
  • €32,044
  • €716,200
  • €157,500
  • €180,000
  • €100,000
  • €626,967
  • €505,112
  • €425,000
  • €936,523
  • 9.63%
  • 0.25%
  • 0.36%
  • 0.08%
  • 1.76%
  • 0.39%
  • 0.44%
  • 0.25%
  • 1.54%
  • 1.24%
  • 1.04%
  • 2.30%

Interest

Percentage
Average interest rate received from lenders anually.7.45%
Minus defaults1.31%
Minus costs0.00%
Minus average margin Lendahand2.82%
Average net interest for investors anually3.32%

Other statistics

First investment 5 March 2013
Total number of investments201,705
Total number of projects offered2,976
Total number of projects financed2,896
Total repaid interest€3,621,942

* 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.