Kiva defines impact both in the scale of our global reach and the depth of change in a person’s life. From the billions of dollars in loans we’ve distributed, to the scaled reach of our Lending Partners, to the increased monthly income for a widowed shop owner in Kenya — dive into how Kiva creates positive impact in the world.
Changing lives, one loan at a time.
Kiva’s global reach
in loans funded
reached every 90 seconds
People reached: 2 million Loans funded: $517 million
People reached: 1.2 million Loans funded: $488 million
People reached: 326,000 Loans funded: $184 million
People reached: 40,000 Loans funded: $59 million
People reached: 92,000 Loans funded: $119 million
People Reached: 139,000 Loans funded: $202 million
People Reached: 52,000 Loans funded: $43 million
People Reached: 960,000 Loans funded: $393 million
Top 10 loan sectors
Kiva brings financial access to traditionally excluded communities.
From racial discrimination and gender biases to armed conflict and climate change, there are many reasons why people are financially excluded. Underserved communities need financial access in order to create sustainable economic opportunity, yet they are denied fair and equitable access to resources. Kiva strives to bridge this gap and open the door to opportunity for every person around the world.
To have the greatest impact, Kiva focuses on four key impact areas where we see the most need for financial equity — and where Kiva can do the most good.
Creating a more equitable future for women.
With funding from millions of Kiva lenders, we’re helping women build the lives they want, giving them access to resources to break through cultural and economic barriers, to start their own businesses, pay for education, and invest in themselves.More on Kiva + gender equity
"I felt happy because I was finally able to accomplish my dream, to have a business selling Colombian empanadas. I was able to make this a reality."
Kiva loans create opportunity for women in myriad industries and sectors.
Helping displaced people rebuild.
For refugees and IDPs that are rebuilding their lives, as well as people at risk of forced migration from their homes, Kiva provides fair access to capital to create economic opportunity and financial stability for themselves and their families.More on Kiva + refugees and IDPs
“I stood on my own feet again.”
As a college student, business owner, and refugee, Malik runs a neighborhood coffee shop and dreams of becoming a journalist after earning his degree. After Covid-19 closed his business and put his studies on hold, Malik was able to reopen his shop and return to finish his education, with help from a Kiva loan.
Kiva loans support displaced people all over the world.
Supporting systemically marginalized U.S. entrepreneurs.
We’re expanding financial access for U.S. business owners that have been most excluded historically, including the LGBTQ+ community, immigrants, women and non-binary people, Black and African Americans, the LatinX community, Indigenous people, and People of Color.More on Kiva + U.S. entrepreneurs
“The Kiva loan impacted my business financially, but it impacted me as a person as well. I had a lot of growth, which is priceless.”
Building resilience for people affected by climate change.
Because social and financial inequity make the impacts of climate change worse for the millions of people living in poverty conditions, Kiva helps people invest in climate-smart solutions for their families and local communities.More on Kiva + climate impact
Thach’s family had always used a solid-fuel stove, but it was making the air inside their home dangerous to breathe. With a Kiva loan, Thach bought a clean cookstove that not only reduces air pollution, it gives her family free solar power for charging their devices.
Measuring our impact
Our impact is more than just our global reach — more importantly, it’s about real-world outcomes for people. That’s why we work with Lending Partners to set outcomes and targets for impact populations, use monitoring and evaluations to measure progress, learn what works best, and ensure borrowers' lives are changing for the better.
We first estimate if a partner can have a meaningful impact for their customers. This includes ensuring they serve financially excluded populations, protect clients from over-indebtedness, and offer products that help clients succeed long-term.
Partners must complete surveys on a regular basis to monitor their impact and flag opportunities for growth and improvement. We also make onsite and virtual visits to conduct risk and impact audits.
Through client-level surveys, we assess how borrowers are being positively impacted by their loan, as well as identify ways our partners’ services can be improved to provide a stronger social impact.
Most importantly, we look at borrowers’ success.
The 60 Decibels Microfinance Index (2022) assessed outcomes for 5,200 lenders from 26 of Kiva’s Lending Partners. After receiving their loan:
of borrowers surveyed said their quality of life had improved.
said their business income had increased.
said they were better able to manage their finances.
Investing in impactful partnerships
Working with vetted partners amplifies the impact we can make in people’s lives. Our corporate and philanthropic partners share our mission, and their contributions, expertise, and reach with global audiences helps us scale our impact even more. There are various ways for organizations to accelerate their organization’s impact with Kiva, such as grants, loan matching, and employee and customer engagement programs.More about Kiva + partnerships
Our Lending Partners are an extensive network of organizations in more than 96 countries on 5 continents. Most Lending Partners are microfinance institutions, but they are also NGOs, social enterprises, and nonprofits. These organizations are responsible for screening borrowers, disbursing loans, collecting repayments, and otherwise administering Kiva loans.
Kiva helps Lending Partners improve their services to better support their communities.
Just as important as reaching more borrowers is ensuring that the organizations we work with can truly benefit clients’ lives. We put our years of industry experience to work, building up our Lending Partners so they can build up communities, with outcomes like:
Increased organizational stability and customer satisfaction
Strengthened gender-forward and climate-smart practices
Scaling of evidence-based products and services
Working with trusted Lending Partners leads to tangible benefits for borrowers.
Borrowers who received a loan from One Acre Fund reported an average 40% increase in their farming income.
Almost half of borrowers with clean water and sanitation loans from iDE reported a significant reduction in stomach illnesses.
Impact that matters: Positive outcomes for borrowers
The simplest way to know Kiva’s impact is to ask the people benefitting from Kiva loans. Our largest Lending Partner NWTF is a non-government organization committed to providing sustainable financial and developmental services to women in low-income communities of Central Philippines. As part of our ongoing monitoring and validation, 60 Decibels, an independent social impact measurement company, conducted interviews with NWTF’s clients to assess impact.
of borrowers surveyed said they had no access to financing prior to their Kiva loan.
saw increases in business income.
said their quality of life improved.
said repayments were not a burden.
had increased savings.
had increased business confidence.