Kuda Microfinance · As of 25 Sep 2026, 17:00

Portfolio

The whole book on one screen: USD and ZiG kept apart, arrears by bucket, and what needs doing today.

Outstanding

US$427k

958 active loans

PAR 30

4.1%

Down from 11.8% a year ago

PAR 1 / PAR 90

8.2% / 1.3%

Any arrears / 90+ days

Paid on or before due date

90%

+9 pts since SMS reminders

USD and ZiG books are reported side by side and never added together. Each loan lives in one currency on a double-entry ledger, so a rate change never moves a USD balance.

Disbursed per month, US$

Last 12 months, all branches

US$0US$100kUS$200kOctNovDecJanFebMarAprMayJunJulAugSeptUS$185k

Today’s queue

What the team needs to act on

Reminders sent this morning: 412 SMS in English, Shona and Ndebele, all inside the 07:00–19:00 contact window.

PAR 30, USD book

Share of the book more than 30 days late

Illustrative
0.0%10.0%20.0%Scorecard in useTarget 5%NovJanMarMayJulSept4.1%

What we expect a lender to see, not a result yet. LendGrid will only claim a PAR reduction after measuring it with design partners against their own history.

Arrears by age, US$

115 loans late

  • 1–7 daysUS$11k36
  • 8–30 daysUS$6,43528
  • 31–60 daysUS$9,54029
  • 61–90 daysUS$2,3468
  • 90+ daysUS$5,59214

Darker = older. Bucket counts shown after each amount.

Branches

USD book by branch

BranchLoans (USD)OutstandingPAR 30Health
Harare CBD277US$111,0108.2%Watch
Mbare248US$98,5483.2%Healthy
Chitungwiza263US$110,0813.5%Healthy
Gokwe170US$107,4721.3%Healthy