Kiva uses crowdfunded microloans as a force for good, creating a space where people can have one-to-one impact, and together, expand financial access for all.
From a new fishing net to community solar power, it’s easy to help fund a loan that changes someone’s life.
Find a person you want to support
Decide how much you want to contribute
Check out—your funds are allocated to the borrower
Get repaid, and lend to someone else!
Still wondering, “But how do borrowers get their money?” or “How do lenders get repaid?” Let’s follow Margarita’s story to dig into how Kiva loans work from start to finish.
Margarita needs $1,000 to expand her tortilla business, so she applies for a loan with CrediCampo, a microfinance institution (MFI) and one of Kiva’s lending partners.
CrediCampo posts Margarita’s loan to Kiva.org to cover the cost of the loan, with editing and translation help from Kiva volunteers.
You see Margarita’s story and want to support her business. You lend $5 (or more!) to help crowdfund the full loan amount.
Thanks to you and 31 other lenders, Margarita’s $1,000 loan is fully funded!
100% of the loan amount is sent via wire transfer to CrediCampo, who provided Margarita with the capital she needs to invest in her business.
Margarita uses her Kiva loan to buy corn, gas, and firewood so she can improve production, increase her income to support her family, and keep her children in school.
(Kiva borrowers have a 96.4% repayment rate on average.)
As Margarita starts earning more, she begins sending repayments to CrediCampo, which are repaid to you and other lenders who helped fund her loan. These funds go straight into your Kiva account.
You can relend your funds to support another borrower again and again! Your dollars can travel the world, changing lives one loan at a time.
Contribute as little as $5 to help one of these borrowers achieve their dreams.
But what about the billion people without access to traditional finance? That's where you—and Kiva—come in. Kiva loans give people the power and resources to build the life they choose. By crowdfunding smaller amounts—called microloans—we can help more borrowers get funded.
Decide exactly who you want to support and why.
See that you’re making a positive impact in someone’s life.
Make a big impact, even if you don’t have a lot to give.
Yes, money is a finite resource. But with Kiva, you can use the same dollars again and again, helping a new borrower each time your loan is repaid. Your same $5 could help someone open a salon, then support a child’s education, then invest in community solar panels, and so on!
Get updates about how borrowers use Kiva loans to improve their lives, plus info about financial inclusion and ways you can help.