Your investments are helping to build a sustainable economic future in some of the poorest areas of the world. Nonetheless, we need to ensure that we are working with villages that can repay your loan on the terms it was lent. Village Invest wants to keep your investment risk low, but the social impact of your loan high.
To do this Village Invest has created a comprehensive data analytics, rating and tracking tool (DART) that assesses each level of the lending chain, starting at the household level. It applies ratings across a range of criteria to assess transparency, governance and accountability, social inclusion, organisational effectiveness and financial discipline. The end rating is a combination of ratings at an individual, group and village level with additional criteria at each level. An internal self-assessment is carried out twice a year by each village and an external rating assessment is conducted by Village Invest once a year. You can be sure therefore that your money is being invested at minimum risk.
The rating is not intended to be “advice” in the sense of professional financial advice, and Village Invest is not making a recommendation as to the credit worthiness of a community organisation.
Help us to build a strong lending community
To minimise risk, Village Invest does not advertise loans from villages rated less than 75%. The rating system has five levels of outcome and only the top two are eligible to be included on the Village Invest platform. To ensure that more villages achieve top ratings, Village Invest is committed to building strong village savings and credit groups and to do this we provide further trainings to those villages that are most likely to succeed. You can sponsor a village if you want to help them achieve higher ratings by donating to Village Invest.
