Originally Posted by
ddutil
My loans are almost all in Nicaragua and the problems were all with a partner called ADEPHCA. That partner has now been cut off, but when the loans were made they had typical ratings. As with anything, past performance . . .
If you want to lower risk, it's best, I believe, to diversify your portfolio. I've made 645 loans to every Kiva country but Zambia and to over 100 field partners and my default rate is 0.26%.