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Kiva.org - Loans that change lives

What We Do

We let you loan to the working poor
Kiva lets you connect with and loan money to unique small businesses in the developing world. By choosing a business on Kiva.org, you can “sponsor a business” and help the world’s working poor make great strides towards economic independence. Throughout the course of the loan (usually 6-12 months), you can receive email journal updates from the business you’ve sponsored. As loans are repaid, you get your loan money back.

We partner with organizations all over the world
Kiva partners with existing microfinance institutions. In doing so, we gain access to outstanding entrepreneurs from impoverished communities world-wide. Our partners are experts in choosing qualified borrowers. That said, they are usually short on funds. Through Kiva.org, our partners upload their borrower profiles directly to the site so you can lend to them.

We show you where your money goes
Kiva provides a data-rich, transparent lending platform for the poor. We are constantly working to make the system more transparent to show how money flows throughout the entire cycle. The below diagram shows briefly how money gets from you to a third-world borrower, and back!
We facilitate connections

I was happily surprised by a notice in my email this morning that another one of my Kiva loans has been paid back. That is 2 out of 4 earlier than expected. The funds from one have been released to me and I just lent it to a baker. The funds from the other will probably be released later today and I will find another business to loan it to. They are limiting the amount any one person can lend to any business to $25 because the demand is so high. I am so glad that people are catching on that this is a way to make a real difference one life at a time.

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