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We loan because...
Why keep money sitting around somewhere when it could be much more useful as capital for entrepreneurs?

About us
Many people have large amounts of money just lying around, not accruing interest or being utilized in any useful way. This team is about making that money work – by shifting excess unused capital from your household into Kiva, you can help others while staying financially secure!

Keeping a high balance in your checking/savings account is unnecessary for many people. The yearly interest you earn on this amount, even in high-yield savings, usually won’t even top $100 on $10,000 in the current interest rate climate. How many Kiva entrepreneurs could you help with that money? (Answer: up to 800!*)

Shift some of that redundant money to Kiva and help alleviate poverty!

Notes: Since this money is being shifted from funds that you are somewhat used to having at your disposition, it is important that you are selective with your loans. You can loan to whoever you want, but it’s prudent to have this money available in a reasonable amount of time. Remember, you cannot get money from Kiva back immediately; you have to wait for repayments. That’s why we recommend investing in short-term loans of 5 or 6 months (so your repayments come in quickly and you can recoup all of your capital within half a year), spreading loans across multiple entrepreneurs/field partners/geographical regions (“diversifying” your loans to mitigate risk), and choosing field partners that have at least a 3-star rating (higher ratings means less delinquent/defaulted loans). Following these suggestions minimizes the risk inherent in loaning on Kiva.

*Assuming you invest the $10,000 in individual $25 loans of

Location: Everywhere      

 

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Team Activity

Impact   Updated Hourly

9
Team Members
$37,150
Amount Loaned
1,463
Loans
162.6
Loans per member

Rankings In Events Category

#4 for New Users (Last Month)
#2 for Amount Loaned (All Time)
#4 for Amount Loaned (This Month)
#3 for Amount Loaned (Last Month)