All loans
All categories

Regions

Search all loans

Borrow

About

About us
Partner with us
How Kiva works
Support Kiva
Where Kiva works
Impact
Leadership
Finances
Press
Due diligence

0Basket 0

Log in Support Kiva My Portfolio$0

Portfolio
My teams
Donations
Settings
Support Kiva

Sign out

Efraín Joel

Similar borrowers that need your support

Borrow

Loans for entrepreneurs doing amazing things.

Apply now

Lend

Make a loan, change a life.

Lend now
Monthly Good

Donate

Kiva is a 501(c)3 U.S. nonprofit fueled by passionate people. Founded in 2005, and based in San Francisco, with offices in Bangkok, Nairobi, Portland and staff around the globe.

Donate to Kiva

About us
How Kiva works
FAQs
Where Kiva works
Blog
Partner with us
Employee engagement
Contact us
Help

Teams

Kiva Capital
Protocol
Gifts
Developer API

Careers
Volunteer internships
Kiva fellows
Review and translation
US Hubs

Kiva on Facebook Kiva on Instagram Kiva on Twitter

Lending through Kiva involves risk of principal loss. Kiva does not guarantee repayment or offer a financial return on your loan.

© 2026 Kiva. All rights reserved.

Privacy policy
Cookie and Data Settings
Terms of use
Site map

Borrow

Loans for entrepreneurs doing
amazing things.

Apply now

Lend

Make a loan, change a life.

Lend now
Monthly Good

Explore

Kiva Capital
Protocol
Gifts
Developer API

Get to know us

About us
How Kiva works
FAQs
Where Kiva works
Blog
Partner with us
Employee engagement
Contact us
Help

Community

Teams

Kiva is a 501(c)3 U.S. nonprofit fueled by passionate people. Founded in 2005, and based in San Francisco, with offices in Bangkok, Nairobi, Portland and staff around the globe.

Donate to Kiva

Work with us

Careers
Volunteer internships
Kiva fellows
Review and translation
US Hubs

Privacy policy
Cookie and Data Settings
Terms of use
Site map

Categories

Regions

Efraín Joel