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Browse categories of borrowers— people looking to grow businesses, go to school, switch to clean energy, and more.
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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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Sariaka is very happy because the last loan allowed her to replenish the shelves in her grocery store, by purchasing some extra staple products.
Thus, in order to meet the needs of her clients, Sariaka has requested a new loan to purchase some additional staple products, rice bags and bottled oil.
Her goal is to become a "semi-wholesaler" in the future.
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Translated from French by Kiva volunteer Katell Maguet. View original language description.
Sariaka est très heureuse car le dernier prêt lui a permis de remplir les étagères dans son unité d'épicerie, par l'achat des variétés de produits de premières nécessités supplémentaire. Ainsi, afin de répondre aux besoins des clients, Sariaka a demandé un nouveau prêt pour acheter des variétés de produits de premières nécessités , des sacs de riz et des huiles en cachetés supplémentaires. Son but étant de devenir "un demi-grossiste" plus tard.
CEFOR is a socially-oriented MFI that targets people who have not accessed credit in the past. The organization operates 11 branches in and around Antananarivo, the capital and largest city in Madagascar. CEFOR offers loans to low-income entrepreneurs. CEFOR's non-financial services include health insurance, trainings, and at-home coaching delivered by designated training officers. In addition to its microcredit program, CEFOR runs a vocational training program with the goal of helping young people enter the job market.
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.
Loan tags help lenders find loans that match certain areas of interest.
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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