Blog posts tagged with lending

Jun 6, 2019 US United States

Scott and Emily didn’t go to business school, nor do they have a formal business background. But they are resourceful, entrepreneurial and passionate. With support from their community, they’ve built 2 small businesses in Oakland, California. 


The couple met and fell in love while working at a large restaurant in San Francisco. “When we got married, we wanted a quality of life where we could have dinner at home together instead of dinner at work or seeing each other for 15 minutes on the shift change,” Scott explains. That’s when...

Continue Reading >>
Jun 6, 2019 KV Kiva HQ

Traditional banks won’t lend to refugees because they’re perceived as too risky. But Kiva’s refugee portfolio breaks that stereotype - we lend to refugees with a repayment rate above 95%. 

Kiva began crowdfunding loans to refugees in 2016. Since then, lenders on our platform have contributed $12.5 million in loans to over 15,000 refugees across the globe. But we’re just getting started. 

Besides our crowdfunding platform, we are working on two new initiatives that will catalyze our impact. 

"We want to share what we're doing in...

Continue Reading >>
Jun 6, 2019 KV Kiva HQ

Kiva has a long history of working to advance financial inclusion in over 90 countries. Over the past 13 years, we’ve made over $1.3 billion USD in loans to unbanked and vulnerable populations globally. With almost 97% repayment rates, we have shown that these populations are overly creditworthy, and we work every day to bring full financial inclusion to them. Because of this, we’ve been asked to participate in a new multi-stakeholder initiative focused on global payments. In our role, we will continue to advocate for unbanked and vulnerable populations globally.

Today,...

Continue Reading >>
Jun 6, 2019 LB Lebanon


Dima and her husband were forced to leave their home when she was pregnant. After she delivered her son, they were forced to flee again, each carrying one of their children. This time they left their home country of Syria for Lebanon to seek safety. 

In Syria, Dima's husband had a good job. In Lebanon, Dima had to get a job...

Continue Reading >>
Jun 6, 2019 KV Kiva HQ

Original video by Joseph Schlabs. See more of his work here.


Wahab and his family fled their home in Iraq back in 1991, seeking refuge in various countries in the Middle East for 13 years. Sometimes his family was separated for weeks, months or years at a time. When they finally moved back to Iraq, the United States...

Continue Reading >>
Jun 6, 2019 KV Kiva HQ

MiCrédito was founded in 2004 to establish a new and improved support system for underserved populations in rural Nicaragua. Through the years, its size and impact have grown extensively, delivering various products and services to an even larger group in both Nicaragua and Costa Rica.

Edith Rosatte (left) got a loan from MiCrédito in Nicaragua for her veterinary school registration fees.

By providing loans for education, sanitation, and clean energy, MiCrédito gives life-...

Continue Reading >>
Jun 6, 2019 KV Kiva HQ

“The people who were celebrating our marriage are the people who have loved us well over the years – caring, supporting, investing in our lives in some way,” Drew and Allie realized while planning their wedding. “We wanted to take that gift of love and support and pay it forward.”

The couple wanted a meaningful way to truly thank their guests for their love and support. So instead of handing out candy or knick-knacks as wedding favors, the couple funded loans on Kiva.org in honor of their wedding guests.

...

Continue Reading >>
May 5, 2019 KV Kiva HQ

How does Kiva know who needs a loan? How does the money actually reach them? What is a Field Partner? These are questions we get a lot! To get a clearer view of how Kiva works, here's a bit about the Field Partners we work with. 

What's a Field Partner? Kiva works with more than 330 local organizations worldwide to distribute loans. These are our Field Partners on the ground, meeting borrowers and delivering your loans. When you lend to most borrowers on kiva.org, the funds go to Kiva’s Field Partners, who are responsible for...

Continue Reading >>
May 5, 2019 KV Kiva HQ

Young women in five countries across Africa are starting businesses thanks to 0% interest microloans available through an innovative program run by the education-focused nonprofit the Campaign for Female Education (CAMFED) in partnership with Kiva.

CAMFED Tanzania staff and client participants at the Design Thinking Workshop in December 2018

While many of these inspiring female entrepreneurs, who are part of CAMFED’s alumnae network, CAMA, repay their loans on time, some, especially those in...

Continue Reading >>
May 5, 2019 RW Rwanda


In 2017, Jacqueline was forced to flee her home in Burundi and start a new life in Rwanda. At first, she struggled to put food on the table and provide for her 3 children. 

But Jacqueline is hardworking, honest and entrepreneurial. She started a soap manufacturing business with the help of a Kiva loan and changed her own life. Today, Jacqueline employs several... Continue Reading >>
May 5, 2019 UG Uganda

Think about the cup of coffee you drank this morning. If you don’t drink coffee, think about the millions of cups of coffee that get consumed each morning. Do you know where those coffee beans were grown? 


Usually countries like Colombia, Ethiopia or Indonesia come to mind. But not many people realize that Uganda is the world’s 8th largest producer of coffee. The coffee industry is a main part of the Ugandan economy and employs a large portion of the population. 


Coffee...

Continue Reading >>
May 5, 2019 KV Kiva HQ

Kiva loves to celebrate its interns and the meaningful work that they accomplish every day. Now past their mid-internship point, we sat down with a few of them to hear about their work and how their time at Kiva has impacted them. Read below to hear how Kiva interns are working to become the next generation of social innovators. Read below to learn what it's like to be an intern at Kiva. Interested in growing with Kiva? Check out our professional development opportunities here. 
 

Mia Orans

Community Support Team, San Francisco office

...

Continue Reading >>
May 5, 2019 KV Kiva HQ

Kiva loans are sent to 80 countries around the world, but for our 100+ employees in our US offices, sometimes our impact can feel distant from daily office life. Last week, one of our employees in our Bangkok, Thailand office shared an especially touching experience with the entire Kiva organization. It reminded all of us of the reasons we come to work every single day. We thought we’d share it with you, too. Mark McDonagh, our Asia Pacific Investment Manager, tells the following story about his visit with a Kiva borrower in Indonesia. 

...

Continue Reading >>
May 5, 2019 KV Kiva HQ

Kiva’s website features lots of beautiful photos of our borrowers around the world - but have you ever thought about the person behind the lens? There’s a lot of work that goes on behind the scenes to keep Kiva running. Many of the professional photos you see on Kiva’s website, social media and email communications are taken by Brandon Smith - the man of many hats! 

Brandon Smith is Kiva's Product Manager in the San Francisco office

After studying photojournalism, Brandon interned with Kiva and...

Continue Reading >>
May 5, 2019 KV Kiva HQ

After growing up in Togo in a family with 9 children, Ayaovi began work in travel sales and real estate. However, he longed for a way to become a bigger part of his local community, so he started devoting his evenings and weekends to starting a fish business. 

It all started with 1 icebox and a single ring burner stove, along with the knowledge Ayaovi gleaned from his mother, who had also sold fish in their community. She had taught all her children about her business as they grew up. 

...
Continue Reading >>
Apr 4, 2019 KV Kiva HQ

When you make a loan on Kiva, you may not realize just how many hardworking and dedicated people it takes in the organization to connect your loan to a borrower. Besides more than 500 volunteers and fellows, Kiva also employs over 100 employees in our global offices from San Francisco to Sierra Leone. 

The majority of Kiva’s operating costs are supported by donations from lenders like you. That enables our teams to keep Kiva running - from investments, global operations and engineering to development, marketing and community support.

This story goes...

Continue Reading >>
Apr 4, 2019 KV Kiva HQ

A little over a decade ago, Gissel and her husband fell on hard times. Employment was scarce and they ran out of funds to finish their home. They slept many nights under cardboard next to their two young children.

Gissel heard about a program offering group loans for women in their village and she enrolled immediately. With the help of Esperanza International, Gissel started a business and has grown her hair salon into a community hub.  By receiving that spark of microfinance capital, embracing her inherent gifts of hospitality and refining her skills through...

Continue Reading >>
Apr 4, 2019 KV Kiva HQ

Ever wonder what it’s like to work at Kiva? Here’s an insider’s look into our office culture... 

In Kiva offices around the world, employees often refer to something we call “Kiva love,” which is when we acknowledge one another in celebration of our core values. Someone in particular who especially spreads the Kiva love - and recently got nationally recognized for it - is our Office Vibe Manager, Verlance Bershaun Friar! 



Anyone who walks into our San Francisco office immediately feels welcomed and loved when they interact with...

Continue Reading >>
Apr 4, 2019 KV Kiva HQ

Jessica grew up in Manipur, India, and always dreamed of becoming a flight attendant. She believed that working in aviation would make her dreams come true. In a region where access to finance is difficult, this path is sometimes the only option to escape economic hardship. 

Jessica’s family faced many financial problems and depended on her father’s government employee salary to make ends meet. His income was not sufficient to support his three children in pursuit of professional fields. But that didn’t stop Jessica from pursuing her dream....

Continue Reading >>
Apr 4, 2019 KV Kiva HQ

This post was co-written by Amelia Kuklewicz, Senior Program Manager at Grameen Foundation, and Elliott Collins, Senior Manager of Impact and Research at Kiva.

Entrepreneurship is a vital part of life for women in Central America, where unemployment is 50 percent higher for women than for men. But women entrepreneurs are squeezed from many sides as they struggle to launch and grow their businesses. 

Kiva borrower Blanca in El Salvador runs a bread business...
Continue Reading >>
Apr 4, 2019 KV Kiva HQ

While the majority of lenders on Kiva are adults, the desire to do good around the world is not limited to grown-ups. At the Town School for Boys in San Francisco, California, microfinance is a concept that the 6th graders are very familiar with. 

For over 7 years, Kiva has served as the platform for a year-long project undertaken by 6th-grade math students at the Town School. The team-based hands-on project teaches the boys about microfinance, financial literacy, and global awareness. 

First, the students are introduced to microfinance and learn...

Continue Reading >>
Apr 4, 2019 KV Kiva HQ

Logging onto kiva.org is both exciting (wow look at all these borrowers!) and can be a bit overwhelming (wow, look at all these borrowers). Kiva funds loans in more than 80 different countries around the world through more than 300 Field Partners. Our borrowers are engaged in a wide variety of sectors and industries and they use their loans to benefit a wide range of causes. Lenders have lots of options! You can never go wrong - there's so much good to be done on our site - but here are a few ways you can engage with Kiva.org for a personally meaningful experience. ...

Continue Reading >>
Apr 4, 2019 KV Kiva HQ

Looking back on this past year, Kiva has made huge strides in expanding financial access to underserved communities. This work would not be possible without the dedicated effort of our volunteers in our Review and Translation Program (RTP). Each month, volunteers review, edit and translate tens of thousands of loan profiles before they go live on Kiva’s site. Each volunteer plays a crucial role in ensuring a diverse and substantial amount of loans are funneled to the site. They are the critical step in borrower’s stories being shared with the Kiva community. Here is a look back at the...

Continue Reading >>
Apr 4, 2019 KV Kiva HQ
Kiva loan applications are often not originally in English or are posted in countries where English is not the primary language.  A team of volunteers with the Review and Translation Program (RTP) edit, translate and review our loans from around the world. More than 400 volunteers from Munich to Nova Scotia dedicate their time to contribute to Kiva's work. In the past 3 months, our volunteers have reviewed more than 55,256 loans, averaging more than 18,400 per month. 

This quarter we are celebrating three of our incredible volunteers: Wendy, Barbara and Rita! All our... Continue Reading >>
Apr 4, 2019 KV Kiva HQ

Here at Kiva, we love to celebrate our interns and the meaningful work that they accomplish every day. And International Volunteer Week is a great opportunity to do just that! Halfway through the internship cycle, we sat down with a few of them to hear about their work and how their time at Kiva has impacted them. Read below to learn what it's like to be an intern at Kiva. Interested in growing with Kiva? Check out our professional development opportunities here. 
 

Avdeep Dhillon 

Impact Investing Team, San Francisco office ...

Continue Reading >>

Pages

Blog posts tagged with lending

Jun 6, 2019 US United States

Scott and Emily didn’t go to business school, nor do they have a formal business background. But they are resourceful, entrepreneurial and passionate. With support from their community, they’ve built 2 small businesses in Oakland, California. 


The couple met and fell in love while working at a large restaurant in San Francisco. “When we got married, we wanted a quality of life where we could have dinner at home together instead of dinner at work or seeing each other for 15 minutes on the shift change,” Scott explains. That’s when...

Continue Reading >>
Jun 6, 2019 KV Kiva HQ

Traditional banks won’t lend to refugees because they’re perceived as too risky. But Kiva’s refugee portfolio breaks that stereotype - we lend to refugees with a repayment rate above 95%. 

Kiva began crowdfunding loans to refugees in 2016. Since then, lenders on our platform have contributed $12.5 million in loans to over 15,000 refugees across the globe. But we’re just getting started. 

Besides our crowdfunding platform, we are working on two new initiatives that will catalyze our impact. 

"We want to share what we're doing in...

Continue Reading >>
Jun 6, 2019 KV Kiva HQ

Kiva has a long history of working to advance financial inclusion in over 90 countries. Over the past 13 years, we’ve made over $1.3 billion USD in loans to unbanked and vulnerable populations globally. With almost 97% repayment rates, we have shown that these populations are overly creditworthy, and we work every day to bring full financial inclusion to them. Because of this, we’ve been asked to participate in a new multi-stakeholder initiative focused on global payments. In our role, we will continue to advocate for unbanked and vulnerable populations globally.

Today,...

Continue Reading >>
Jun 6, 2019 LB Lebanon


Dima and her husband were forced to leave their home when she was pregnant. After she delivered her son, they were forced to flee again, each carrying one of their children. This time they left their home country of Syria for Lebanon to seek safety. 

In Syria, Dima's husband had a good job. In Lebanon, Dima had to get a job...

Continue Reading >>
Jun 6, 2019 KV Kiva HQ

Original video by Joseph Schlabs. See more of his work here.


Wahab and his family fled their home in Iraq back in 1991, seeking refuge in various countries in the Middle East for 13 years. Sometimes his family was separated for weeks, months or years at a time. When they finally moved back to Iraq, the United States...

Continue Reading >>
Jun 6, 2019 KV Kiva HQ

MiCrédito was founded in 2004 to establish a new and improved support system for underserved populations in rural Nicaragua. Through the years, its size and impact have grown extensively, delivering various products and services to an even larger group in both Nicaragua and Costa Rica.

Edith Rosatte (left) got a loan from MiCrédito in Nicaragua for her veterinary school registration fees.

By providing loans for education, sanitation, and clean energy, MiCrédito gives life-...

Continue Reading >>
Jun 6, 2019 KV Kiva HQ

“The people who were celebrating our marriage are the people who have loved us well over the years – caring, supporting, investing in our lives in some way,” Drew and Allie realized while planning their wedding. “We wanted to take that gift of love and support and pay it forward.”

The couple wanted a meaningful way to truly thank their guests for their love and support. So instead of handing out candy or knick-knacks as wedding favors, the couple funded loans on Kiva.org in honor of their wedding guests.

...

Continue Reading >>
May 5, 2019 KV Kiva HQ
By Channing Fisher.

How does Kiva know who needs a loan? How does the money actually reach them? What is a Field Partner? These are questions we get a lot! To get a clearer view of how Kiva works, here's a bit about the Field Partners we work with. 

What's a Field Partner? Kiva works with more than 330 local organizations worldwide to distribute loans. These are our Field Partners on the ground, meeting borrowers and delivering your loans. When you lend to most borrowers on kiva.org, the funds go to Kiva’s Field Partners, who are responsible for...

Continue Reading >>
May 5, 2019 KV Kiva HQ

Young women in five countries across Africa are starting businesses thanks to 0% interest microloans available through an innovative program run by the education-focused nonprofit the Campaign for Female Education (CAMFED) in partnership with Kiva.

CAMFED Tanzania staff and client participants at the Design Thinking Workshop in December 2018

While many of these inspiring female entrepreneurs, who are part of CAMFED’s alumnae network, CAMA, repay their loans on time, some, especially those in...

Continue Reading >>
May 5, 2019 RW Rwanda


In 2017, Jacqueline was forced to flee her home in Burundi and start a new life in Rwanda. At first, she struggled to put food on the table and provide for her 3 children. 

But Jacqueline is hardworking, honest and entrepreneurial. She started a soap manufacturing business with the help of a Kiva loan and changed her own life. Today, Jacqueline employs several... Continue Reading >>
May 5, 2019 UG Uganda

Think about the cup of coffee you drank this morning. If you don’t drink coffee, think about the millions of cups of coffee that get consumed each morning. Do you know where those coffee beans were grown? 


Usually countries like Colombia, Ethiopia or Indonesia come to mind. But not many people realize that Uganda is the world’s 8th largest producer of coffee. The coffee industry is a main part of the Ugandan economy and employs a large portion of the population. 


Coffee...

Continue Reading >>
May 5, 2019 KV Kiva HQ
By Channing Fisher.

Kiva loves to celebrate its interns and the meaningful work that they accomplish every day. Now past their mid-internship point, we sat down with a few of them to hear about their work and how their time at Kiva has impacted them. Read below to hear how Kiva interns are working to become the next generation of social innovators. Read below to learn what it's like to be an intern at Kiva. Interested in growing with Kiva? Check out our professional development opportunities here. 
 

Mia Orans

Community Support Team, San Francisco office

...

Continue Reading >>
May 5, 2019 KV Kiva HQ

Kiva loans are sent to 80 countries around the world, but for our 100+ employees in our US offices, sometimes our impact can feel distant from daily office life. Last week, one of our employees in our Bangkok, Thailand office shared an especially touching experience with the entire Kiva organization. It reminded all of us of the reasons we come to work every single day. We thought we’d share it with you, too. Mark McDonagh, our Asia Pacific Investment Manager, tells the following story about his visit with a Kiva borrower in Indonesia. 

...

Continue Reading >>
May 5, 2019 KV Kiva HQ

Kiva’s website features lots of beautiful photos of our borrowers around the world - but have you ever thought about the person behind the lens? There’s a lot of work that goes on behind the scenes to keep Kiva running. Many of the professional photos you see on Kiva’s website, social media and email communications are taken by Brandon Smith - the man of many hats! 

Brandon Smith is Kiva's Product Manager in the San Francisco office

After studying photojournalism, Brandon interned with Kiva and...

Continue Reading >>
May 5, 2019 KV Kiva HQ

After growing up in Togo in a family with 9 children, Ayaovi began work in travel sales and real estate. However, he longed for a way to become a bigger part of his local community, so he started devoting his evenings and weekends to starting a fish business. 

It all started with 1 icebox and a single ring burner stove, along with the knowledge Ayaovi gleaned from his mother, who had also sold fish in their community. She had taught all her children about her business as they grew up. 

...
Continue Reading >>
Apr 4, 2019 KV Kiva HQ

When you make a loan on Kiva, you may not realize just how many hardworking and dedicated people it takes in the organization to connect your loan to a borrower. Besides more than 500 volunteers and fellows, Kiva also employs over 100 employees in our global offices from San Francisco to Sierra Leone. 

The majority of Kiva’s operating costs are supported by donations from lenders like you. That enables our teams to keep Kiva running - from investments, global operations and engineering to development, marketing and community support.

This story goes...

Continue Reading >>
Apr 4, 2019 KV Kiva HQ

A little over a decade ago, Gissel and her husband fell on hard times. Employment was scarce and they ran out of funds to finish their home. They slept many nights under cardboard next to their two young children.

Gissel heard about a program offering group loans for women in their village and she enrolled immediately. With the help of Esperanza International, Gissel started a business and has grown her hair salon into a community hub.  By receiving that spark of microfinance capital, embracing her inherent gifts of hospitality and refining her skills through...

Continue Reading >>
Apr 4, 2019 KV Kiva HQ

Ever wonder what it’s like to work at Kiva? Here’s an insider’s look into our office culture... 

In Kiva offices around the world, employees often refer to something we call “Kiva love,” which is when we acknowledge one another in celebration of our core values. Someone in particular who especially spreads the Kiva love - and recently got nationally recognized for it - is our Office Vibe Manager, Verlance Bershaun Friar! 



Anyone who walks into our San Francisco office immediately feels welcomed and loved when they interact with...

Continue Reading >>
Apr 4, 2019 KV Kiva HQ

Jessica grew up in Manipur, India, and always dreamed of becoming a flight attendant. She believed that working in aviation would make her dreams come true. In a region where access to finance is difficult, this path is sometimes the only option to escape economic hardship. 

Jessica’s family faced many financial problems and depended on her father’s government employee salary to make ends meet. His income was not sufficient to support his three children in pursuit of professional fields. But that didn’t stop Jessica from pursuing her dream....

Continue Reading >>
Apr 4, 2019 KV Kiva HQ

This post was co-written by Amelia Kuklewicz, Senior Program Manager at Grameen Foundation, and Elliott Collins, Senior Manager of Impact and Research at Kiva.

Entrepreneurship is a vital part of life for women in Central America, where unemployment is 50 percent higher for women than for men. But women entrepreneurs are squeezed from many sides as they struggle to launch and grow their businesses. 

Kiva borrower Blanca in El Salvador runs a bread business...
Continue Reading >>
Apr 4, 2019 KV Kiva HQ

While the majority of lenders on Kiva are adults, the desire to do good around the world is not limited to grown-ups. At the Town School for Boys in San Francisco, California, microfinance is a concept that the 6th graders are very familiar with. 

For over 7 years, Kiva has served as the platform for a year-long project undertaken by 6th-grade math students at the Town School. The team-based hands-on project teaches the boys about microfinance, financial literacy, and global awareness. 

First, the students are introduced to microfinance and learn...

Continue Reading >>
Apr 4, 2019 KV Kiva HQ
By Channing Fisher.

Logging onto kiva.org is both exciting (wow look at all these borrowers!) and can be a bit overwhelming (wow, look at all these borrowers). Kiva funds loans in more than 80 different countries around the world through more than 300 Field Partners. Our borrowers are engaged in a wide variety of sectors and industries and they use their loans to benefit a wide range of causes. Lenders have lots of options! You can never go wrong - there's so much good to be done on our site - but here are a few ways you can engage with Kiva.org for a personally meaningful experience. ...

Continue Reading >>
Apr 4, 2019 KV Kiva HQ

Looking back on this past year, Kiva has made huge strides in expanding financial access to underserved communities. This work would not be possible without the dedicated effort of our volunteers in our Review and Translation Program (RTP). Each month, volunteers review, edit and translate tens of thousands of loan profiles before they go live on Kiva’s site. Each volunteer plays a crucial role in ensuring a diverse and substantial amount of loans are funneled to the site. They are the critical step in borrower’s stories being shared with the Kiva community. Here is a look back at the...

Continue Reading >>
Apr 4, 2019 KV Kiva HQ
Kiva loan applications are often not originally in English or are posted in countries where English is not the primary language.  A team of volunteers with the Review and Translation Program (RTP) edit, translate and review our loans from around the world. More than 400 volunteers from Munich to Nova Scotia dedicate their time to contribute to Kiva's work. In the past 3 months, our volunteers have reviewed more than 55,256 loans, averaging more than 18,400 per month. 

This quarter we are celebrating three of our incredible volunteers: Wendy, Barbara and Rita! All our... Continue Reading >>
Apr 4, 2019 KV Kiva HQ

Here at Kiva, we love to celebrate our interns and the meaningful work that they accomplish every day. And International Volunteer Week is a great opportunity to do just that! Halfway through the internship cycle, we sat down with a few of them to hear about their work and how their time at Kiva has impacted them. Read below to learn what it's like to be an intern at Kiva. Interested in growing with Kiva? Check out our professional development opportunities here. 
 

Avdeep Dhillon 

Impact Investing Team, San Francisco office ...

Continue Reading >>

Pages