Innovation is critical in any field, and microfinance is no exception.

Kiva targets Field Partners that strive to constantly provide innovative products and services specifically tailored to the needs of the people they serve. Several studies show that offering complementary non-credit services, such as savings or insurance, can enhance the impact of financial services.

Innovative products and services include a wide variety of possibilities from mobile banking products that allow borrowers to send and receive loan payments through text messages, to micro-insurance products that Field Partners offer to protect those they serve against catastrophic events. It is not necessary for the Field Partners to provide the services directly. These services can be offered in partnership with another organization. One innovation is mobile banking which in some counties is allowing people to transact through their mobile phone. As providers of financial services to often excluded populations, microfinance institutions and other organizations are in a unique position to also provide other innovative services.

Field Partners who offer innovative and technology-based financial solutions to the people they serve are awarded the Focus on Innovation badge by Kiva.

112 field partners with this badge
SMEP Microfinance Bank SMEP Microfinance Bank
67 months on Kiva

Kenya
See Loans
Novica Novica
32 months on Kiva

Mexico
See Loans
Juhudi Kilimo Juhudi Kilimo
61 months on Kiva

Kenya
See Loans
Nuru Energy Nuru Energy
25 months on Kiva

Rwanda
See Loans
Agro Capital Management LLC Agro Capital Management LLC
33 months on Kiva

Ukraine
See Loans
American University of Central Asia American University of Central Asia
18 months on Kiva

Kyrgyzstan
See Loans
Yunus Social Business (YSB) Yunus Social Business (YSB)
18 months on Kiva

Uganda
See Loans
LiftFund LiftFund
52 months on Kiva

United States
See Loans
TerraClear Development TerraClear Development
8 months on Kiva

Lao PDR
See Loans
VisionFund Kenya VisionFund Kenya
69 months on Kiva

Kenya
See Loans
Colfuturo Colfuturo
30 months on Kiva

Colombia
See Loans
Small Scale Livestock Livelihoods Program Small Scale Livestock Livelihoods Program
6 months on Kiva

Malawi
See Loans
KOMAZA KOMAZA
25 months on Kiva

Kenya
See Loans
UpEnergy
22 months on Kiva

Uganda
See Loans
Evidence Action Evidence Action
17 months on Kiva

Kenya
See Loans
Apoyo Integral Apoyo Integral
86 months on Kiva

El Salvador
See Loans
Proximity Designs Proximity Designs
7 months on Kiva

Myanmar (Burma)
See Loans
Strathmore University Strathmore University
36 months on Kiva

Kenya
See Loans
Zoona (Malawi)
1 months on Kiva

Malawi
See Loans
Hand in Hand Eastern Africa Hand in Hand Eastern Africa
8 months on Kiva

Kenya
See Loans
Alidé Alidé
85 months on Kiva

Benin
See Loans
Sanergy Sanergy
29 months on Kiva

Kenya
See Loans
Tanaoba Lais Manekat Foundation (TLM) Tanaoba Lais Manekat Foundation (TLM)
71 months on Kiva

Indonesia
See Loans
Negros Women for Tomorrow Foundation, Inc. (NWTF) Negros Women for Tomorrow Foundation, Inc. (NWTF)
67 months on Kiva

Philippines
See Loans
Cooperativa San Jose Cooperativa San Jose
61 months on Kiva

Ecuador
See Loans
PT Rekan Usaha Mikro Anda (Ruma) PT Rekan Usaha Mikro Anda (Ruma)
34 months on Kiva

Indonesia
See Loans
Kubo.financiero Kubo.financiero
21 months on Kiva

Mexico
See Loans
Alalay sa Kaunlaran, Inc. (ASKI) Alalay sa Kaunlaran, Inc. (ASKI)
75 months on Kiva

Philippines
See Loans
Fundacion Alternativa Fundacion Alternativa
43 months on Kiva

Ecuador
See Loans
MicroKing Finance MicroKing Finance
47 months on Kiva

Zimbabwe
See Loans
One Acre Fund One Acre Fund
41 months on Kiva

Kenya
See Loans
Kingsbridge Microfinance Ltd Kingsbridge Microfinance Ltd
8 months on Kiva

Ghana
See Loans
UIMCEC, a partner of ChildFund International UIMCEC, a partner of ChildFund International
84 months on Kiva

Senegal
See Loans
Asociación ASDIR Asociación ASDIR
81 months on Kiva

Guatemala
See Loans
iDE - Cambodia iDE - Cambodia
12 months on Kiva

Cambodia
See Loans
Impact Carbon Impact Carbon
17 months on Kiva

Uganda
See Loans
ASI Federal Credit Union ASI Federal Credit Union
42 months on Kiva

United States
See Loans
Nirdhan Utthan Bank Limited (NUBL) Nirdhan Utthan Bank Limited (NUBL)
30 months on Kiva

Nepal
See Loans
Camfed Zimbabwe Camfed Zimbabwe
18 months on Kiva

Zimbabwe
See Loans
CIDRE CIDRE
67 months on Kiva

Bolivia
See Loans
Bai Tushum Bank CJSC Bai Tushum Bank CJSC
55 months on Kiva

Kyrgyzstan
See Loans
People's Forum People's Forum
30 months on Kiva

India
See Loans
Barefoot Power Barefoot Power
33 months on Kiva

Uganda
See Loans
Babban Gona Farmers Organization Babban Gona Farmers Organization
23 months on Kiva

Nigeria
See Loans
Credituyo Credituyo
100 months on Kiva

Mexico
See Loans
Opportunity Fund Opportunity Fund
68 months on Kiva

United States
See Loans
Vittana Vittana
27 months on Kiva

Bolivia
See Loans
Hagdan Sa Pag-uswag Foundation, Inc. (HSPFI) Hagdan Sa Pag-uswag Foundation, Inc. (HSPFI)
72 months on Kiva

Philippines
See Loans
PowerGen Renewable Energy PowerGen Renewable Energy
14 months on Kiva

Kenya
See Loans
ADICLA ADICLA
30 months on Kiva

Guatemala
See Loans
National Microfinance Bank National Microfinance Bank
47 months on Kiva

Jordan
See Loans
Camfed Tanzania Camfed Tanzania
6 months on Kiva

Tanzania
See Loans
CSC MDO "IMON International" CSC MDO "IMON International"
86 months on Kiva

Tajikistan
See Loans
NOTS Lampe Solaire NOTS Lampe Solaire
17 months on Kiva

Mali
See Loans
EarthSpark International EarthSpark International
26 months on Kiva

Haiti
See Loans
Advans Côte d'Ivoire Advans Côte d'Ivoire
21 months on Kiva

Cote D'Ivoire
See Loans
ID Ghana ID Ghana
33 months on Kiva

Ghana
See Loans
Hluvuku-Adsema Hluvuku-Adsema
99 months on Kiva

Mozambique
See Loans
Zoona (Zambia) Zoona (Zambia)
37 months on Kiva

Zambia
See Loans
Asasah Asasah
90 months on Kiva

Pakistan
See Loans
Instituto Peruano de Fomento Educativo Instituto Peruano de Fomento Educativo
10 months on Kiva

Peru
See Loans
Caja Rural Señor de Luren Caja Rural Señor de Luren
64 months on Kiva

Peru
See Loans
Maharishi Education for Invincibility Trust Maharishi Education for Invincibility Trust
32 months on Kiva

South Africa
See Loans
Visionary Empowerment Programme Visionary Empowerment Programme
29 months on Kiva

Kenya
See Loans
African Entrepreneur Collective (AEC) African Entrepreneur Collective (AEC)
19 months on Kiva

Rwanda
See Loans
Tujijenge Tanzania Ltd Tujijenge Tanzania Ltd
87 months on Kiva

Tanzania
See Loans
Emprender Emprender
83 months on Kiva

Bolivia
See Loans
Grameen Foundation AppLab Grameen Foundation AppLab
27 months on Kiva

Uganda
See Loans
Solar Sister Solar Sister
26 months on Kiva

Uganda
See Loans
Accion East Accion East
68 months on Kiva

United States
See Loans
Banco D-MIRO S.A. Banco D-MIRO S.A.
64 months on Kiva

Ecuador
See Loans
AFODENIC AFODENIC
86 months on Kiva

Nicaragua
See Loans
Mahashakti Foundation Mahashakti Foundation
30 months on Kiva

India
See Loans
Fundación ESPOIR Fundación ESPOIR
68 months on Kiva

Ecuador
See Loans
FUNDA-PRO FUNDA-PRO
17 months on Kiva

Bolivia
See Loans
Fundación Paraguaya Fundación Paraguaya
93 months on Kiva

Paraguay
See Loans
Mbinga Community Bank Mbinga Community Bank
39 months on Kiva

Tanzania
See Loans
Investisseurs & Partenaires Investisseurs & Partenaires
10 months on Kiva

Mauritania
See Loans
BrazAfric BrazAfric
30 months on Kiva

Kenya
See Loans
Frogtek Frogtek
30 months on Kiva

Mexico
See Loans
Sistema Biobolsa Sistema Biobolsa
33 months on Kiva

Mexico
See Loans
FUNDAPEC FUNDAPEC
20 months on Kiva

Dominican Republic
See Loans
VisionFund Cambodia VisionFund Cambodia
41 months on Kiva

Cambodia
See Loans
Fundación CREHO Fundación CREHO
18 months on Kiva

Honduras
See Loans
CampoAlto CampoAlto
30 months on Kiva

Colombia
See Loans
Intersect Fund Intersect Fund
19 months on Kiva

United States
See Loans
WSDS-Initiate WSDS-Initiate
30 months on Kiva

India
See Loans
Lumni Chile Lumni Chile
21 months on Kiva

Chile
See Loans
Planting Empowerment Planting Empowerment
20 months on Kiva

Panama
See Loans
BRAC Pakistan BRAC Pakistan
30 months on Kiva

Pakistan
See Loans
Fonkoze - Zafèn Fonkoze - Zafèn
8 months on Kiva

Haiti
See Loans
Ejido Verde Reserves Ejido Verde Reserves
4 months on Kiva

Mexico
See Loans
TECNOSOL TECNOSOL
19 months on Kiva

Nicaragua
See Loans
Paglaum Multi-Purpose Cooperative (PMPC) Paglaum Multi-Purpose Cooperative (PMPC)
75 months on Kiva

Philippines
See Loans
UGAFODE Microfinance Limited UGAFODE Microfinance Limited
34 months on Kiva

Uganda
See Loans
Entrepreneurs du Monde Entrepreneurs du Monde
30 months on Kiva

Haiti
See Loans
CEPRODEL CEPRODEL
88 months on Kiva

Nicaragua
See Loans
Transcapital Transcapital
50 months on Kiva

Mongolia
See Loans
Gata Daku Multi-purpose Cooperative (GDMPC) Gata Daku Multi-purpose Cooperative (GDMPC)
69 months on Kiva

Philippines
See Loans
Interactuar Interactuar
50 months on Kiva

Colombia
See Loans
Al-Amal Microfinance Bank Al-Amal Microfinance Bank
39 months on Kiva

Yemen
See Loans
LLC Micro Finance Organization Credo LLC Micro Finance Organization Credo
49 months on Kiva

Georgia
See Loans
Honey Care Africa Honey Care Africa
26 months on Kiva

Kenya
See Loans
Faulu Kenya Faulu Kenya
67 months on Kiva

Kenya
See Loans
Microfinanzas Prisma Microfinanzas Prisma
91 months on Kiva

Peru
See Loans
Organizacion de Desarrollo Empresarial Femenino (ODEF) Organizacion de Desarrollo Empresarial Femenino (ODEF)
40 months on Kiva

Honduras
See Loans
Fenix International Fenix International
18 months on Kiva

Uganda
See Loans
Fundación Mario Santo Domingo (FMSD) Fundación Mario Santo Domingo (FMSD)
62 months on Kiva

Colombia
See Loans
Edpyme Alternativa Edpyme Alternativa
66 months on Kiva

Peru
See Loans
myAgro myAgro
19 months on Kiva

Mali
See Loans
MiCredito MiCredito
50 months on Kiva

Nicaragua
See Loans
XacBank XacBank
73 months on Kiva

Mongolia
See Loans