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We loan because...
It helps others and it's fun... The goal of this team is to be a team for everyone. A sort of catch-all the accepts everyone no matter what your interests, location, or background.

One of the best videos on microfinance: It's of Muhammad Yunus, the developer of microfinance.

We want to grow Kiva by inviting people to it. Kiva's invite rate is 0.28 (as of 1.17.13). If we could bring that to 1.0 or near 1.0, Kiva would grow near exponentially. All a 1.0 invite rate means is that each person on Kiva successfully invites just one other new person to Kiva. I know we can do it. You can generally invite people to Kiva here: or specifically to team Universe and Kiva here:

Another interesting tidbit: "The microfinance sector currently has an estimated total loan volume of USD 25 bn. Yet, it is unable to serve more than a fraction (~100 m) of today's total sector demand of roughly 1 bn micro-borrowers. This situation translates into an immense funding gap estimated at around USD 250 bn." see

We want our team to be a catch all that anyone with any interest can join. But we also want to invite tons of other people to join Kiva. Let's make Kiva grow.

***** There might be free $25 loan if someone accepts your invite. Go to:

Another name for our team could be "All" or "Other" because we are a catch all for anything and everything else. Everyone is encouraged to join this team, no matter what your interests.

Sure, we want to lend to others. But perhaps even more important is to invite all of our friends through email, Facebook, and whatever else.

We want more and more people to use Kiva through whatever means available, including telling our friends, Kiva gifts cards, Twitter, and, when available, the free $25 first-timer loans:

My story is an interesting example: I've invited hundreds, if not thousands of people, primarily by using my email contacts, but also through Facebook. I've only been able to make 33 loans so far, but my successful invitees have collectively made 34 loans. Out of the hundreds or thousand of invites I've sent out, only 3 have been successful. But those invites have had a greater total dollar impact than my own lending.

When you look at the successful invites that my invites have sent, the impact is even greater.

Most of us can make a little difference by lending a little of our money, but we can make a huge difference by getting a few of our friends to lend a little money as well, and then passing it on down the line.

My journey with Kiva all started with my sister giving me a gift card, it took almost the whole year, just before it expired, for me to even use it. Don't get discouraged if your invites seem to go unnoticed. It might take thousands of invites before someone accepts and makes their first loan. But that person might be Bill Gates, or might invite Bill Gates.

I don't think most people join Kiva because they stumbled upon it, they join it because they were invited by someone just like you.

Were you invited to Kiva?

Location: The Universe       Team website


Latest Messages  

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

Team Activity

  • Anonymous
    Anonymous received a loan from Eric to pay for medical treatment in order to do his job well and being to save money.
    $4,875 to go
    Lend Now
  • Chamroeun
    Chamroeun received a loan from Eric to buy a motorcycle he can ride in order to sell soap in other areas of his village, to increase the number of sales.
    0% repaid
  • Khalil
    Khalil received a loan from Eric to pay his beloved daughter's school tuition.
    0% repaid
  • Lilia
    Lilia received a loan from Eric to buy equipment for her fishing business.
    0% repaid
  • Roberto
    Roberto received a loan from Melody to purchase grains, meat, dairy products, fruit and vegetables and get a cooler that he needs to keep the perishable foods.
    5% repaid
  • Davit
    Davit received a loan from Kathleen to start beekeeping and expand his agricultural activity.
    0% repaid
  • Hrachya
    Hrachya received a loan from Kathleen with this loan amount he will buy several beehives, also wax papers and frames for his bee keeping.
    0% repaid
  • Ty Tuition Ladies Group
    Ty Tuition Ladies Group received a loan from Eric to be able to pay for the ACE cook stove which will improve her life in terms of health, cost of fuel and the time she spends collecting firewood.
    21% repaid
  • Shoghan
    Shoghan received a loan from Kathleen to buy fodder for her farm cattle and also wax papers for her bees.
    25% repaid

Impact   Updated Hourly

Team Members
Amount Loaned
Loans per member