Click to enlarge

We loan because...
We hate to see loans being left unfunded on
Kiva. Although most of these loans are
pre-funded by the Field Partners, the Field
Partners lose out on the capital if a loan
doesn't get funded on Kiva. We believe that
this will damage the Field Partners in the long
term and impair their capacity to make loans to new borrowers.

We can't save every red loan, but we try to
make a difference as in the Starfish Story:
Help us fund loans we're already supporting:

Check out Charlotte's Web:

This watchlist for loans suggested by the team members (starfish + offlist) shows:
* the current position in the popularity ranking (considering pages 1 to 5)
* the timestamp of the most recent loan
* the basket amount
Click magnifier icon for more info. Or read Charlotte’s post at @Charlotte re: #346848
Also known as "CW," or "Charlotte's Web of Wonders"

We invite you to join us and make a difference, too. Please check the team board at 2 am Kiva time, 7 am Kiva time, 1 pm Kiva time and 6 pm Kiva time to coordinate lending.

See our team fund page:

About us
Alan's account of the founding of LLL is on the team board @Alan re: #260143. Loans that are nearing expiry won't get funded if they don't get noticed. We look for loans that are about to expire by using the Sort By:
"Expiring Soon" option instead of the default "Popularity", and then work to get them funded.

See our team FAQ, linked above (the "Team Website" button, next to our traffic light avatar).

A Team LLL glossary (contributed by team member Tony):

Red Loans: Loans that have less than five days to be funded, identifiable by the red box
with the notice that says "Only x days left!" or
"Only x hours and y minutes left!"

LLL - Late Loaning Lenders: this team, where
lenders work together to keep loans from

SFDD - Starfish Daily Dozen: Under current
practice, one of these lists is prepared and
posted for each day, to help LLL lenders focus
and coordinate their lending on a targeted
group of loans (the Starfish or SF). The lists
are prepared by a group of volunteers who
seek to be objective in selecting the loans to
be included in their lists. They also seek to
spread out the loans in each list over a 24 hour
period and to share the joy among the Field
Partners with loans expiring during that period,
but their efforts are always constrained by the
choice of loans that are available for inclusion
in the list. Loans with larger amounts needed
will be included in the period immediately after
each Credit Day, when lenders are feeling
flush, but the lists will become less ambitious
when the LLL lenders are feeling poor.

GG - Gorgeous Group: The SFDD list-makers have the option of adding one or two of these
loans after their SFDD lists. As the name
implies, only group loans are picked. When it is
first posted, a typical GG loan will expire two
days or more after the list is posted. It will
usually be retained as a GG until it becomes
Fully Funded or moves into Starfish range. The amount needed when the loan is selected as a GG will vary depending on the time of month.

RTR - Reduce the Red: These lists are
prepared and posted when there are large
numbers of loans slated to expire in a short
period of time. "Red" is a reference to the red
boxes that are added to a loan description
when the Loan is about to expire without full

BTB - Battling the Boxes: On those days where
there aren't 12 loans that qualify as "Starfish,"
the listmakers will include BTB loans to help
focus attention on the red-boxed loans with the best chances. The criteria are similar to SF
loans, i.e., one per field partner and reasonable
amounts left to fund (not too much; not too
little), except that these loans may have a longer time left before their expiry date. If they gain good traction on their first BTB day, they may be carried forward. If not ... they stand a second chance as SF.

Bulge: A short period in which a great many
loans have their scheduled funding expiration
times. Bulges come about primarily when a
Field Partner (FP) submits an amount of loans
to Kiva than is greater than the FP's quota. The loan
descriptions are prepared for posting by
translating the loan descriptions (if necessary)
and editing them, and they are then held in a queue by Kiva's server, to be posted when the FP has freed up some of its credit limit on Kiva, by making some repayments. Bulge loans are prize candidates for inclusion
in Reduce the Red lists.

FF - Fully Funded: This is LLL code for a loan
that has received all the loans required for it to be removed from the list of loans that are raising funds
and to move into paying back status.

Lars Ratio: the average funding per hour that is needed for a loan to become fully funded.
(Developed by team member Lars)

Wiedergänger (contributed by Maria) - German expression, literal translation "again walker," meaning "undead," i.e. a person that has died but comes back, aka a zombie. Here it means a loan that disappears from the page, but comes back again because somebody didn't check out their basket.

Ruma sana (contributed by Jouko and Potkukelkka) - Finnish expression, literal translation "ugly words." It is a phrase to use when you are very frustrated, but want to stop just short of actual cursing -- for example, when the Kiva site repeatedly logs you out when you are trying to rescue an expiring loan at the last second.

See data about all loans currently fundraising on Kiva:
See data about loans that have been mentioned on the LLL board, including the most recent lending activity on each loan:
See loans in real time, as they are made:

Lists are posted on the LLL Team message
board. Join us!

Location: Anywhere       Team website


Latest Messages  

99+ messages. Join the team to get in on the action!

Team Activity

  • Raquel
    El Salvador
    Raquel received a loan from Charmaine to buy things for the store such as rice, beans, sugar, oil, soap, personal care products, and other items, and to buy corn to make tortillas.
     Only 4 days left! 
    $1,150 to go
    Lend Now
  • Martir
    El Salvador
    Martir received a loan from 2 team members to buy cement, sand, gravel, bricks and iron to build some steps at the entrance to her home.
    Charmaine Mara
     Only 4 days left! 
    $275 to go
    Lend Now
  • Elvin Jose
    Elvin Jose received a loan from Doris to buy construction materials for his house.
     Only 15 hours 58 minutes left! 
    $975 to go
    Lend Now
  • Salote
    Salote received a loan from Doris to buy snacks, frozen goods, soft drinks, canned food, sacks of onions, potatoes and a new chest freezer.
     Only 13 hours 28 minutes left! 
    $650 to go
    Lend Now
  • Karla Lizet
    El Salvador
    Karla Lizet received a loan from 3 team members to invest in a door and windows to install in her house.
    Doris Mara Default lender image
     Only 5 hours 48 minutes left! 
    $225 to go
    Lend Now
  • Jose Narciso
    El Salvador
    Jose Narciso received a loan from Catherine to buy construction materials to make a pen.
     Only 12 hours 18 minutes left! 
    $125 to go
    Lend Now
  • Joseph
    Joseph received a loan from Mara to buy salt, rice, sugar, soap and general merchandise.
     Only 1 day left! 
    $825 to go
    Lend Now
  • Maria Elena
    El Salvador
    Maria Elena received a loan from 2 team members to invest in: cobblestones, cement and sand to place cobblestones in her yard.
    Mara Default lender image
    0% repaid
  • Maria Armandina
    Maria Armandina received a loan from Mara to pay for home improvements and personal expenses.
     Only 18 hours 38 minutes left! 
    $750 to go
    Lend Now
  • Bett
    Bett received a loan from Mara to purchase a pedigree cow.
     Only 3 days left! 
    $800 to go
    Lend Now

Impact   Updated Hourly

Team Members
Amount Loaned
Loans per member

Rankings In Common Interest Category

#9 for New Users (Last Month)
#9 for Amount Loaned (All Time)
#6 for Amount Loaned (This Month)
#10 for Amount Loaned (Last Month)