Video Processing

The loan contains a video that is being processed by Kiva. A video loan appears in this status immediately after you post it in PA2. Once the video is processed, the loan moves into “Inactive” status. Video processing can take up to 48 hours. Lenders cannot see “Video processing” loans on the Kiva website.
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Resubmitted

A loan appears in this category after it has been resubmitted by the partner. It will be reviewed and, if all identified issues have been corrected, approved by Partner Support.
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Awaiting Correction

It is the partner's responsibility to identify the issue with the loan, make the necessary edits, and resubmit for approval.
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Issue

A loan appears in this category if an "Issue" is found with the loan while a Kiva Editor is reviewing it. Lenders cannot yet see this loan on the Kiva website. If a loan stays in the Inactive and/or Issue status for more than 40 days after being posted to PA2, it will expire. It is the MFI partner's responsibility to identify the issue with the loan, make the necessary edits, and resubmit it for approval.

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Loan Use

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Defaulted loans

The MFI Partner is required to submit 1 journal for each loan in defaulted status, no later than 5 business days after the loan enters defaulted status.

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Error in Borrower Profile

If a Borrower Profile is in Fundraising or Paying back status or has been fully funded and Kiva or the MFI Partner thereafter realizes that there has been an error in the Borrower Profile (i.e., clerical error, incorrect photo or video, name/activity correction, or otherwise), a journal must be posted within 5 business days by either the FSS or the partner to explain the discrepancy. Kiva will determine if lenders' funds need to be refunded.

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Ended loans

Partners are required to post a journal with in 30 days of a Borrower finishing payments to the MFI.
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Expired

If a loan is not fully funded within 30 days of being in the Fundraising status, the listing expires. If a loan stays in the Inactive, "Issue", and/or "Reviewed" status for more than 40 days, it will expire. Expired loans are removed from the website, if applicable.

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Defaulted

Loans will be defaulted by Kiva at the earliest of: 1) the time when MFI determines that collection of funds from a borrower is doubtful or Kiva determines that collections from the MFI Partner are doubtful; 2) 6 months past the originally scheduled repayment date. This applies to any expected repayment, not just the final payment due at the end of the loan term; or 3) Once the borrower is 6 months delinquent - meaning that payments made by the borrower over the past 6 months are not yet equal to the expected amount as of 6 months earlier.

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