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Can I get a loan for my own business?
Kiva is not a bank or a microfinance institution. Therefore, we do not receive or review applications for loans. We do, however, know that looking for the right loan can be a challenging process so here are a few options that you might consider:
Thanks to Kiva's new Kiva zip pilot program, you can now apply directly for a loan on the Kiva Zip website if you live in the United States or Kenya. These loan are made at 0% interest, and are crowd-funded on the Kiva Zip website (zip.kiva.org/).The maximum size of the first loan is $5,000 in the U.S. and Ksh 10,000 in Kenya, although subsequent loans can be $10,000 or more for the U.S. and up to Ksh 70,000 in Kenya.
To learn more, and to apply for a Kiva Zip loan, please visit:
(Kenya): zip.kiva.org/borrow (and select "Kenya")
You can also email the Kiva Zip team at email@example.com
Kiva's Field Partners--
Kiva also partners with Field Partners around the world, who may be able to make a loan to you. Loans from these partners vary in interest rates, loan amounts and requirements. If you would like to apply for a loan through a Kiva Field Partner please contact the Kiva Field Partner in your local area. A list of Kiva's Field Partners and their contact information can be found on the Field Partners page: kiva.org/partners.
If you live in the United States, our United States Field partners are: ACCION Texas, ACCION East, ACCION San Diego, ASI Federal Credit Union, Grameen America, Opportunity Fund, Latino Economic Development Center (LEDC), Valley Economic Development Center (VEDC), Fresno Community Development Financial Institution, Working Solutions, and Pacific Asian Consortium for Employment (PACE).
If you live outside of the United States and cannot find a microfinance institution near you, please try the Mix Market, which is a great website that collects data on microfinance institutions around the world. Please refer to their website: mixmarket.org
Please note that Mix Market is an information service and does not provide funding. Also note that Kiva does not participate or have a say in which businesses are selected by our Field Partners. Contact each Field Partner directly for more information on loan requirements and underwriting guidelines.
How do I lend the Kiva Credit in my account?
To lend your Kiva Credit, please follow these steps:
Step 1: Go to kiva.org/login and sign into your Kiva account. Click "Lend."
Step 2: Find a borrower you'd like to support and click "Lend $25" to the right of the business description to add that loan to your basket.
Step 3: Add additional loans to your basket or click "My Basket" to check out.
Step 4: On the "My Basket" page you'll be asked to make an optional donation to Kiva's operating expenses. You can edit this suggested donation by clicking the "Edit" link next to the donation amount and selecting the amount you wish to donate ($0.00 is an option).
Step 5: On the "Review & Pay" page you will see your available Kiva Credit automatically deducted from your total. Review your transaction and click "Complete order."
If your total exceeds the amount of Kiva Credit in your account, the amount of your Kiva Credit will be deducted from your total, and you will be directed to PayPal to pay for the remainder of your purchase with funds from a credit card or a PayPal account.
Upon completion of your purchase you will be directed to a "Thank You" page on Kiva's website. You will also receive a receipt confirming your successful loan purchase.
How do I use a Kiva Card?
Please follow these steps to make a loan using your Kiva Card:
Step 1: Go to kiva.org/login and sign into your Kiva account. If you do not have a Kiva account, you can register for one at kiva.org/register
Step 2: Click "Lend" to find a loan that interests you. When you do, add that loan to your basket by clicking the orange "Lend $25" button.
Step 3: When you've added all your loans to your basket, click "My Basket" at the top of the screen.
Step 4: On this page you will be asked to make an optional donation to Kiva's operating expenses. You can edit this suggested donation by clicking the "Edit" link next to the donation amount and selecting the amount you wish to donate ($0.00 is an option). Click "Continue."
Step 5: On the "Review & Pay" screen, you'll be able to enter your gift code.
To do this just enter your gift code in the "Have a Kiva Card?" box and click "Apply". Once you hit apply, you will see the amount of the Kiva Card reflected next to "Kiva Card" and your Total Due will change.
Step 6: When you're finished click "Complete order" or "Pay Now" to complete your purchase.
If your total exceeds the amount of your Kiva Card, the amount of your Kiva Card will be deducted from your total, and you will be directed to PayPal to pay for the remainder of your purchase with funds from a credit card or a PayPal account.
Upon completion of your purchase you will be directed to a "Thank You" page on Kiva's website. You will also receive a receipt confirming your successful loan purchase using your Kiva Card.
Do I have to donate to Kiva's operating expenses?
100% of every dollar you lend on Kiva goes directly toward funding loans. Kiva doesn't take a cut of the loans you make but instead supports our operations through optional donations from our lender community. When you check out on Kiva we'll automatically ask for a 15% donation, however donations to Kiva's operating expenses are always completely optional so you can always choose to donate $0.00 when you lend.
When you check out on Kiva, you can change your donation amount on the "My Basket" page. To do so, click the "Edit" link below the donation amount. You'll see a window where you can edit your donation amount ($0.00 is an option).
How do I change the email address registered with my account?
You can change the email address registered with your Kiva account by first signing into your Kiva account with your old email address and your Kiva password at kiva.org/login
Once you've signed in, go to: kiva.org/settings/account. On this page, enter in your new email address and your Kiva password in the fields provided and click "Save email".
How do I view my transaction history?
You can see your transaction history at any time by signing into your Kiva account and going to: kiva.org/portfolio/transactions
This page will list your entire transaction history so that you can check on any of your past deposits, purchases, repayments, and withdrawals.
Why are there no Field Partners or borrowers in country X?
Kiva currently works with Field Partners in over 70 countries, and a list of these Field Partners can be found on our partner pages: kiva.org/partners
We are working hard to expand our partnerships to all regions across the globe at a pace that is healthy for both our current partners and for Kiva.
If we do not partner with an MFI in your area of interest, you can check out the Mix Market, which is a great website that collects data on microfinance institutions around the world. You may be able to find a microfinance institution in your area of interest on this site. Please refer to their website at: mixmarket.org
Also, if you know of an organization that would be a great Field Partner, please let us know. For more information about what Kiva looks for in organizations to partner with, please visit: kiva.org/partners/info
To find out more about the challenges Kiva faces trying to work in certain countries, please watch a webinar we hosted on the subject at:
How do I print the Kiva Cards I purchased?
Your Kiva Cards are available for printing anytime before the gift has been redeemed.
To print your Kiva Card, please sign into your Kiva account and go to: kiva.org/portfolio/kiva-cards
When the Kiva Card has been redeemed, the name of the account which the gift was redeemed to will appear beside the gift code.
Why isn't PayPal accepting my credit card?
PayPal provides Kiva with free payment processing on all financial transactions. This means that regardless of whether you pay using your credit card or PayPal account, PayPal will process your payment and send you a receipt. Because of this, Kiva does not have access to your financial information and if you run into a problem making a payment on PayPal's website Kiva, unfortunately, can't do anything directly to figure out why your payment isn't going through.
If you're having trouble making a payment, or if PayPal won't accept your credit card for some reason, please give PayPal's customer service team a call. They can be reached at 888-445-5032 (Toll Free US) or 402-952-8811 (International), Monday through Friday, 8 a.m. to 5 p.m. CST and should be able to help you out!
How do I purchase a Kiva Card?
You can purchase a Kiva Card by following these steps:
Step 1: Go to kiva.org/login and sign into your Kiva account. If you don't already have a Kiva account, you can register for one at: kiva.org/register
Step 2: Click "Gifts" at the top of the Kiva home page, this will direct you to the Kiva Card order form.
Step 3: Select the delivery method by choosing Print-it-Yourself, Email Delivery or Postal Delivery.
Step 4: Fill in all the details that are marked with an asterisk (*) including Kiva Card value and quantity. Everything marked with an asterisk is required.
You can also fill in the optional message section.
Step 5: Select the value you'd like to add to the Kiva Card from the drop-down menu and enter the number of Kiva Cards you'd like to purchase.
Check the box saying that you've reviewed the Kiva Card terms and conditions and click either the "Add to Basket" or "Add to Basket and Checkout" button.
Step 6: Proceed to the "My Basket" page of checkout. On this page you will be asked to make an optional donation to Kiva's operating expenses.You can edit this suggested donation by clicking the "Edit" link next to the donation amount and selecting the amount you wish to donate ($0.00 is an option).
Review your total and click "Continue" to proceed to the "Review & Pay" page.
Step 7: Review your purchase and click "Pay Now." You will then be directed to pay for the Kiva Card through PayPal's secure website.
When your payment is completed you will be directed back to Kiva's website and you'll also receive an email from Kiva confirming your purchase.
Please note, you can also view and/or print the Kiva Cards you've purchased at any time by signing into your Kiva account and going to: kiva.org/portfolio/kiva-cards