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We loan because...
We want to change the World without predatory practices. We believe microloan interests should be as low as possible: 30% (PY/APR) Maximum. We are the only team we are aware that has this cap.

About us
The team members should be united by our pledge “Not lending through Kiva Partners that charge more than 30% PY/APR for servicing a loan.”
If Kiva Partner, Palestine for Credit & Development (FATEN) can charge 15.3% PY/APR for their loans and still make a profit, there is no reason why a For Profit Non Regulated institutions like Kiva Partner Credituyo should charge 85.9% PY/APR in Mexico. Do you know how high the PY/APR is for the loans you patricipate?

These are some Kiva Partners PY "Portafolio Yield" (aka INTEREST)examples:

ADEPHCA – Nicaragua – not listed
BRAC South Sudan – South Sudan – 88.0% (2012)
Credituyo – Mexico – 85.9% (2012)
CrediComun – Mexico – 73.9% (2012)
Turame Community Finance – Burundi – 71.3% (2012)
Sinapa Aba Trust – Ghana – 62.6% (2012)
Urwego Opportunity Bank – Rwanda – 62.6% (2012)
Center for Community Transformation Credit Cooperative – Philippines – 62.0% (2012)
Fund for Thanh Hoa Poor Women – Viet Nam – 62.0% (2012)
Tujijenge Tanzania – Tanzania – 61.8% (2012)
FINCA Peru – Peru – 57.8% (2012)
Hekima – Democratic Republic of the Congo – 57.8% (2012)
MLO Humo – Tajikistan – 57.2% (2012)
ADIM – Nicaragua – 56.5% (2012)
Pearl Microfinance Limited – Uganda – 54.8% (2012)
VisionFund Mexico - Mexico - 54.34% (3/12/2013)
SMT – Sierra Leone – 54.0% (2012)
FRAC – Mexico – 53.8% (2012)
FAPE – Guatemala – 53.6% (2012)
HOPE Ukraine/Nadiya – Ukraine – 52.4% (2012)
Tanaoba Lais Manekat Foundation – Indonesia – 50.3% (2012)
Alalay sa Kaunlaran – Philippines – 50.2% (2012)
CEVI – Philippines – 49.3% (2012)
SPBD – Samoa – 49.0% (2012)
Hluvuku-Adsema – Mozambique – 49.0% (2012)
ARD – Sierra Leone – 48.2% (2012)
Vision Finance Company – Rwanda – 48.1% (2012)
MCC Mol Bulak Finance – Kyrgyzstan – 47.3% (2012)
HOFOKAM – Uganda – 47.3% (2012)
Koperasi Mitra Usaha Kecil – Indonesia – 47.0% (2012)
Prisma Honduras, S.A. – Honduras – 46.6% (2012)
EDAPROSPO – Peru – 45.1% (2012)
Paglaum Multi-Purpose Cooperative – Philippines – 44.6% (2012)
Esperanza International Dominican Republic – Dominican Republic, Haiti – 44.3% (2012)
Emprender – Bolivia – 43.6% (2012)
Edcpyme Alternativa – Peru – 43.5% (2012)
Manuela Ramos – Peru – 42.4% (2012)
ASHI – Philippines – 40.8% (2012)
Fundación Paraguaya – Paraguay – 39.7% (2012)
BRAC Uganda – Uganda – 39.0% (2012)
IMON International – Tajikistan – 37.8% (2012)
Negros Women for Tomorrow Foundation – Philippines – 37.1% (2012)
PADECOMSM – El Salvador – 36.6% (2012)
Microfinanzas Prisma – Peru – 36.4% (2012)
Hagdan sa Pag-usag Foundation – Philippines – 35.5% (2012)
Fondo Esperanza – Chile – 34.8% (2012)
Asociación Arariwa – Peru – 34.5% (2012)
Asasah – Pakistan – 34.1% (2012)
Al Majmoua – Lebanon – 33.8% (2012)
Christian Rural Aid Network – Ghana – 33.6% (2012)
YOSEFO – Tanzania – 31.8% (2012)
Amasezerano Community Banking – Rwanda – 31.1% (2012)
Fundación Leon 2000 – Nicaragua – 30.9% (2012)
Yehu Microfinance Trust – Kenya – 30.6% (2012)
Faulu Kenya – Kenya – 30.3% (2012)
Agroinvest Credit Union – Azerbaijan – 30.1% (2012)
SMEP Deposit Taking Microfinance – Kenya – 29.5% (2012)
Pro Mujer Bolivia – Bolivia – 29.4% (2012)
Apoyo Integral – El Salvador – 29.0% (2012)
MAXIMA Mikroheranhvatho – Cambodia – 29.0% (2012)
Credit Mongol – Mongolia – 29.0% (2012)
Alidé – Benin – 28.9% (2012)
Gata Daku Multi-purpose Cooperative – Philippines – 28.5% (2012)
CEPRODEL – Nicaragua – 28.5% (2012)
CREDIT – Cambodia – 28.0% (2012)
CHF International Access to Credit Services – Iraq – 27.9% (2012)
Banco D-MIRO S.A. – Ecuador – 27.4% (2012)
Hattha Kaksekar – Cambodia, Thailand – 27.3% (2012)
Kenya Agency for Development of Enterprise and Technology – Kenya – 27.1% (2012)
Asociación ASDIR – Guatemala – 26.7% (2012)
IMPRO – Afghanistan – 24.9% (2012)
SEDA – Viet Nam – 24.3% (2012)
TYM Fund – Viet Nam – 23.9% (2012)
GHAPE – Cameroon – 22.1% (2012)
Xac Bank – Mongolia – 21.9% (2012)
FUDESCOSUR – Costa Rica – 21.83% (3/12/2013)
UIMCEC – Senegal – 21.8% (2012)
Nor Horizon – Armenia – 21.2% (2012)
Soro Yiriwaso – Mali – 20.8% (2012)
Juhudi Kilimo – Kenya – 20.8% (2012)
WAGES – Togo – 20.7% (2012)
Accion USA – United States – 20.4% (2012)
Fundación ESPOIR – Ecuador – 20.2% (2012)
Ameen s.a.l. – Lebanon – 18.7% (2012)
FMSD – Colombia – 17.7% (2012)
CAURIE – Senegal – 17.5% (2012)
Ryada – Palestine – 17.1% (2012)
CIDRE – Bolivia – 17.1% (2012)
IMPRO – Bolivia – 15.8% (2012)
FATEN – Palestine – 15.3% (2012)
Cooperative San Jose – Ecuador – 15.2% (2012)
Patan Business and Professional Women – Nepal – 15.1% (2012)
EDESA – Costa Rica – 14.40% (5/2014)
AFODENIC – Nicaragua – 12.60% (5/2014)
Komak Credit Union – Azerbaijan – 5.70% (5/2014)

Location: New York, NY       Team website

 

Latest Messages  

5 messages. Join the team to get in on the action!

Team Activity

  • Laura Idalia
    Nicaragua
    Laura Idalia received a loan from Ana to buy fruits and vegetables.
    Ana
    0% repaid
  • Suzan
    Palestine
    Suzan received a loan from Diego to pay for the workers to install glass in the windows of her house before the winter season.
    Diego
    0% repaid
  • Mohammad
    Palestine
    Mohammad received a loan from Diego to buy a solar system for heating water.
    Diego
    0% repaid
  • Coralia Katherine
    Ecuador
    Coralia Katherine received a loan from KM to purchase merchandise for candy sales.
    KM
    7% repaid

Impact   Updated Hourly

19
Team Members
$2,700
Amount Loaned
108
Loans
5.7
Loans per member