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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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Mercedes, 48, is an industrious widow who works hard every day to support her son. For four years she has been making and selling soup. This is her second loan through ADIM. She used the previous one to buy more pots and pans, tables and chairs.
One of her goals is to increase business, so she is requesting a loan to buy tripe, yucca, yams, squash and corn.
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Translated from Spanish by Kiva volunteer Sherry Bess. View original language description.
Mercedes es una mujer laboriosa de 48 años, viuda y madre de un hijo por el que trabaja día a día para sacarlo adelante, ella se dedica a la hecha y venta de sopa desde hace cuatro años, es el segundo ciclo que solicita crédito en ADIM, con el crédito anterior logró comprar más pailas, mesas y sillas. Uno de sus proyectos es aumentar el negocio, solicita el crédito para la compra de mondongo, yuca, chombón, quequisque, ayote y chilote.
Nicaragua is experiencing a political crisis. Protests have resulted in the loss of life and a partial economic paralyzation of the country. Kiva is committed to supporting our field partners and borrowers during this difficult time. However, should you chose to lend to a borrower in Nicaragua, please be aware that the political unrest poses extra risk for both borrowers and Kiva field partners. Delinquency rates could increase while the crisis is ongoing.
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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