Kiva World Refugee Fund 2018 Impact Report

25 June, 2018

Click here to read the full report by Kiva.


Refugees are financially excluded

Humanitarian assistance addresses critical, early needs of refugees and internally displaced peoples (IDPs) but is not enough. Of the more than 65 million people displaced worldwide, less than 5% will return home, and those who do spend an average of 17 years in exile. Refugees and IDPs face disproportionate levels of poverty as well as fundamental difficulties in securing livelihoods as “second class citizens.” For example, UNHCR reports more than 70% of Syrian refugees in Lebanon and Jordan live below the poverty line.

The provision of economic opportunity is an essential component of a longerterm solution, as access to finance is crucial to helping refugees and IDPs rebuild their lives: Whether to start a business, pay for critical medical needs or continue their education.

Refugees and IDPs, however, are often perceived as too risky to lend to by financial institutions because they may not have documented credit histories and have few fixed assets or limited collateral. The uncertain nature of their residency and instability of their living conditions also contributes to this perception.

Since 2016, Kiva has funded loans to thousands of refugees and IDPs in 6 countries. The findings highlighted in this report challenge the perception of refugees as "too risky," proving that refugees can, and do, pay back loans.

 In this report:

  • An introduction to the World Refugee Fund
  • Kiva's refugee and IDP portfolio by the numbers
  • Lessons learned lending to refugees an IDPs
  • Examples of success
  • Going forward

Click here to read the full report by Kiva.

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