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Choose a borrower
Browse categories of borrowers— people looking to grow businesses, go to school, switch to clean energy, and more.
Make a loan
Select a borrower who you connect with and help fund a loan with as little as $25.
Get repaid
Receive updates on your loans and see the dollars return to your Kiva account.
Repeat!
Use the repayment to support another borrower, or withdraw your money.
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Karen is a 32-year-old hard working woman who lives with her partner in the town of Pampacolca, which is located in Arequipa.
She earns a living by raising cattle, paying special attention to the care and feeding that she provides them.
She is asking for a loan to buy cattle to increase her production. Karen hopes in the future to improve her home and continue to have good well-being.
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Translated from Spanish by Kiva volunteer Katie Drumhiller. View original language description.
Karen es una mujer trabajadora de 32 años de edad, vive junto a su pareja en la localidad de Pampacolca que esta ubicado en Arequipa. Ella se dedica a la cría de ganado vacuno prestando especial atención en los cuidados y alimentación que les brinda, solicita el microcrédito para comprar ganado vacuno aumentando su producción. Karen espera en un futuro mejorar su casa y seguir contando con bienestar.
Fondesurco is a non-governmental organization that works closely with clients in the rural regions of Arequipa, Moquegua and Ayacucho in Peru. Along with prioritizing rural communities, the organization has a strong commitment to environmental sustainability and conservation.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
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