Vulnerable groups refers to specific populations within a country that have been excluded from financial and social services for a variety of reasons.

Exclusion is most often a result of country and cultural specific circumstances, the most prevalent being:

  • Post-conflict locations like South Sudan and Azerbaijan which result in Internally-Displaced Persons (IDPs) and refugee populations.
  • Difficult to access areas such as the mountainous regions of Nepal, or extremely rural areas, which isolate populations from mainstream communities.
  • Indigenous populations in the Americas.

Other potential examples of vulnerable groups include ethnic and religious minorities, people with disabilities, people with HIV, youth, unbanked farmers and often times women.

In most circumstances it is more costly to serve a vulnerable group because they are often more difficult to access, perceived as higher risk or may require new products that better suit their unique situations. Effective targeting of individuals by Kiva Field Partners requires knowledge of regional demographics and individual profiles. Some Field Partners choose to address more challenging demographics as part of their social mission.

Because Kiva’s lenders provide interest free and risk tolerant capital to Field Partners, we encourage institutions to reach out to more marginalized and vulnerable populations when the opportunity exists. More specifically, the interest-free, patient, risk-tolerant capital loaned through Kiva can enable Field Partners to use the savings to send loan officers to more difficult to reach locations, create products that may cost more to operate but offer new opportunities to new borrowers like long-term student loans, and take on higher risk individuals that they may not have been able to serve in the past.

Field Partners who demonstrate service to vulnerable groups are awarded the Vulnerable Group Focus badge by Kiva.

57 field partners with this badge
BRAC South Sudan BRAC South Sudan
83 months on Kiva

South Sudan
See Loans
BRAC Uganda BRAC Uganda
86 months on Kiva

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

Mexico
See Loans
BRAC Liberia Microfinance Company Limited BRAC Liberia Microfinance Company Limited
46 months on Kiva

Liberia
See Loans
BRAC Pakistan BRAC Pakistan
30 months on Kiva

Pakistan
See Loans
Juhudi Kilimo Juhudi Kilimo
61 months on Kiva

Kenya
See Loans
Salone Microfinance Trust (SMT), a partner of ChildFund International Salone Microfinance Trust (SMT), a partner of ChildFund International
93 months on Kiva

Sierra Leone
See Loans
Patan Business and Professional Women Patan Business and Professional Women
89 months on Kiva

Nepal
See Loans
Hekima, a partner of World Relief Hekima, a partner of World Relief
59 months on Kiva

Congo (Dem. Rep.)
See Loans
Esperanza International Dominican Republic, a partner of HOPE International Esperanza International Dominican Republic, a partner of HOPE International
96 months on Kiva

Dominican Republic
See Loans
Local Enterprise Assistance Program (LEAP), a partner of World Hope International and World Relief Local Enterprise Assistance Program (LEAP), a partner of World Hope International and World Relief
68 months on Kiva

Liberia
See Loans
Entrepreneurs du Monde - Anh Chi Em Entrepreneurs du Monde - Anh Chi Em
14 months on Kiva

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

India
See Loans
Camfed Zimbabwe Camfed Zimbabwe
18 months on Kiva

Zimbabwe
See Loans
Vitas Palestine Vitas Palestine
75 months on Kiva

Palestine
See Loans
Center for Community Transformation Credit Cooperative, a partner of HOPE International Center for Community Transformation Credit Cooperative, a partner of HOPE International
68 months on Kiva

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

Ukraine
See Loans
Planting Empowerment Planting Empowerment
20 months on Kiva

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

Haiti
See Loans
Belghoria Janakalyan Samity Belghoria Janakalyan Samity
16 months on Kiva

India
See Loans
Izdiharona for Economic Development Izdiharona for Economic Development
18 months on Kiva

Iraq
See Loans
Accion East Accion East
68 months on Kiva

United States
See Loans
KosInvest KosInvest
33 months on Kiva

Kosovo
See Loans
Aqroinvest Credit Union Aqroinvest Credit Union
93 months on Kiva

Azerbaijan
See Loans
Asasah Asasah
90 months on Kiva

Pakistan
See Loans
VisionFund Albania VisionFund Albania
33 months on Kiva

Albania
See Loans
BRAC Sierra Leone Microfinance Company Limited BRAC Sierra Leone Microfinance Company Limited
47 months on Kiva

Sierra Leone
See Loans
Soro Yiriwaso, a partner of Save the Children Soro Yiriwaso, a partner of Save the Children
84 months on Kiva

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

Tanzania
See Loans
Kaaba Microfinance Institution Kaaba Microfinance Institution
16 months on Kiva

Somalia
See Loans
Milango Financial Services Milango Financial Services
41 months on Kiva

Kenya
See Loans
FINCA Peru FINCA Peru
91 months on Kiva

Peru
See Loans
HOPE DRC, a HOPE International institution HOPE DRC, a HOPE International institution
96 months on Kiva

Congo (Dem. Rep.)
See Loans
Yayasan Sosial Bina Sejahtera Yayasan Sosial Bina Sejahtera
30 months on Kiva

Indonesia
See Loans
Ghana Women Fund Ltd Ghana Women Fund Ltd
2 months on Kiva

Ghana
See Loans
Relief International Microfinance Iraq Relief International Microfinance Iraq
38 months on Kiva

Iraq
See Loans
Pacific Asian Consortium in Employment Pacific Asian Consortium in Employment
25 months on Kiva

United States
See Loans
Credituyo Credituyo
100 months on Kiva

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

South Africa
See Loans
Pana Pana Pana Pana
16 months on Kiva

Nicaragua
See Loans
Finance South Sudan Limited Finance South Sudan Limited
40 months on Kiva

South Sudan
See Loans
Palestine for Credit & Development (FATEN) Palestine for Credit & Development (FATEN)
68 months on Kiva

Palestine
See Loans
Mahashakti Foundation Mahashakti Foundation
30 months on Kiva

India
See Loans
CHF International Access to Credit Services Initiatives (ACSI) Iraq CHF International Access to Credit Services Initiatives (ACSI) Iraq
53 months on Kiva

Iraq
See Loans
Al Majmoua Lebanese Association for Development Al Majmoua Lebanese Association for Development
89 months on Kiva

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

Yemen
See Loans
M7 Microfinance Institution Limited M7 Microfinance Institution Limited
10 months on Kiva

Vietnam
See Loans
Kashf Foundation Kashf Foundation
31 months on Kiva

Pakistan
See Loans
Association for Rural Development (ARD) Association for Rural Development (ARD)
65 months on Kiva

Sierra Leone
See Loans
Camfed Tanzania Camfed Tanzania
6 months on Kiva

Tanzania
See Loans
Komak Credit Union Komak Credit Union
98 months on Kiva

Azerbaijan
See Loans
Proximity Designs Proximity Designs
7 months on Kiva

Myanmar (Burma)
See Loans
WSDS-Initiate WSDS-Initiate
30 months on Kiva

India
See Loans
Arab Center for Agricultural Development (ACAD)
19 months on Kiva

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

Kenya
See Loans
Women & Youth Empowerment (WOYE) Microfinance Institution Women & Youth Empowerment (WOYE) Microfinance Institution
4 months on Kiva

South Sudan
See Loans
Koret Israel Economic Development Funds (KIEDF) Koret Israel Economic Development Funds (KIEDF)
50 months on Kiva

Israel
See Loans