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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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Atsoupé is a 60-year-old married woman with four children. She sells various kinds of sponges. She buys from the market twice a month to resell throughout her neighbourhood. She would like to take out a loan to buy metallic and normal sponges. She wants to make her customers happy and generate a good income from sales to take better care of her home.
Atsoupé is 59 years old, married, and a mother of four children.
She works making and selling food. She buys supplies twice a month from the market.
Atsoupé wants a loan to buy sacks of rice, boxes of spaghetti, boxes of tomatoes, and boxes of fish.
She wishes to satisfy customers, and from her sales, she wishes for a financial independence that will help with the household expenses.
Married, Atsoupé is 58 years old and sells sponges and other small items. She gets her supplies at the market once a month to sell to her customers.
She would like to take out a loan to increase her order of various sponges and other items to satisfy her customers. With this loan opportunity, she plans to increase her earnings to manage her house.
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Translated from French by Kiva volunteer Naomi Leach. View original language description.
Atsoupé est une femme mariée de 60 ans et mère de quatre enfants. Elle vend des éponges de différentes sortes. Elle les achète au marché deux fois par mois au marché deux fois par mois pour revendre à travers le quartier. Elle veut avoir du crédit pour acheter des éponges métalliques et des éponges simples. Elle souhaite satisfaire ses clients et avoir à l'issu de cette vente de bon revenus pour mieux s'occuper de la maison.
Manon Genouille, Kiva staff
Manon Genouille
Kiva staff
Assilassimé Solidarité ("Hand in Hand" in Ewe, the local language) is a nonprofit microfinance institution in Togo founded in 2012. The organization is distinguished in the Togolese microfinance landscape because it offers services only to vulnerable individuals in the Lomé area, particularly the disabled, single mothers, sex workers, people living with HIV, and widows. Kiva loans made through Assilassimé help some of Togo's most vulnerable people to start or grow businesses and establish stable livelihoods.
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 Field Partner, which manages the loan on the ground. Field 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 Field 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.
Field Partners often work with borrowers over time to help them build credit and expand their businesses. In order to make it easier for partners to post loans for borrowers who have been listed on Kiva before, we allow some partners the ability to relist a loan without having to re-enter all of the borrower's information. When this occurs, you'll see an updated loan description, as well as excerpts of the original descriptions from an earlier loan.
Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These additional loans are typically smaller than the borrower's primary loan and serve a different purpose. We trust our partners to determine whether a borrower has the means to be able to repay a successive or concurrent loan.
A Field 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 Field Partner to originate, disburse and collect.
Loan tags help lenders find loans that match certain areas of interest.
Repayment schedule
| Expected | Actual | Comments | |
|---|---|---|---|
| May 2021 | $103.13 | Available May 1 | |
| Jun 2021 | $52.69 | Available Jun 1 | |
| Jul 2021 | $53.44 | Available Jul 1 | |
| Aug 2021 | $54.19 | Available Aug 1 | |
| Sep 2021 | $82.68 | Available Sep 1 | |
| Oct 2021 | $28.87 | Available Oct 1 |
| Expected | Amount | Actual | Received | Comments | |
|---|---|---|---|---|---|
| May 2021 | |||||
| From borrower to Field Partner | Feb 11, 2021 | 13,783.98 XOF | |||
| Feb 25, 2021 | 13,885.33 XOF | ||||
| Mar 11, 2021 | 13,986.68 XOF | ||||
| Mar 25, 2021 | 14,088.04 XOF | ||||
| From Field Partner to lenders | May 2021 | $103.13 | Available May 1 | ||
| Jun 2021 | |||||
| From borrower to Field Partner | Apr 8, 2021 | 14,189.39 XOF | |||
| Apr 22, 2021 | 14,290.74 XOF | ||||
| From Field Partner to lenders | Jun 2021 | $52.69 | Available Jun 1 | ||
| Jul 2021 | |||||
| From borrower to Field Partner | May 6, 2021 | 14,392.09 XOF | |||
| May 20, 2021 | 14,493.45 XOF | ||||
| From Field Partner to lenders | Jul 2021 | $53.44 | Available Jul 1 | ||
| Aug 2021 | |||||
| From borrower to Field Partner | Jun 3, 2021 | 14,594.80 XOF | |||
| Jun 17, 2021 | 14,696.15 XOF | ||||
| From Field Partner to lenders | Aug 2021 | $54.19 | Available Aug 1 | ||
| Sep 2021 | |||||
| From borrower to Field Partner | Jul 1, 2021 | 14,797.51 XOF | |||
| Jul 15, 2021 | 14,898.86 XOF | ||||
| Jul 29, 2021 | 15,000.21 XOF | ||||
| From Field Partner to lenders | Sep 2021 | $82.68 | Available Sep 1 | ||
| Oct 2021 | |||||
| From borrower to Field Partner | Aug 12, 2021 | 15,608.33 XOF | |||
| From Field Partner to lenders | Oct 2021 | $28.87 | Available Oct 1 | ||
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 Field Partner, which manages the loan on the ground. Field 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 Field 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.
Field Partners often work with borrowers over time to help them build credit and expand their businesses. In order to make it easier for partners to post loans for borrowers who have been listed on Kiva before, we allow some partners the ability to relist a loan without having to re-enter all of the borrower's information. When this occurs, you'll see an updated loan description, as well as excerpts of the original descriptions from an earlier loan.
Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These additional loans are typically smaller than the borrower's primary loan and serve a different purpose. We trust our partners to determine whether a borrower has the means to be able to repay a successive or concurrent loan.
A Field 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 Field Partner to originate, disburse and collect.
Repayment schedule
| Expected | Actual | Comments | |
|---|---|---|---|
| May 2021 | $103.13 | Available May 1 | |
| Jun 2021 | $52.69 | Available Jun 1 | |
| Jul 2021 | $53.44 | Available Jul 1 | |
| Aug 2021 | $54.19 | Available Aug 1 | |
| Sep 2021 | $82.68 | Available Sep 1 | |
| Oct 2021 | $28.87 | Available Oct 1 |
| Expected | Amount | Actual | Received | Comments | |
|---|---|---|---|---|---|
| May 2021 | |||||
| From borrower to Field Partner | Feb 11, 2021 | 13,783.98 XOF | |||
| Feb 25, 2021 | 13,885.33 XOF | ||||
| Mar 11, 2021 | 13,986.68 XOF | ||||
| Mar 25, 2021 | 14,088.04 XOF | ||||
| From Field Partner to lenders | May 2021 | $103.13 | Available May 1 | ||
| Jun 2021 | |||||
| From borrower to Field Partner | Apr 8, 2021 | 14,189.39 XOF | |||
| Apr 22, 2021 | 14,290.74 XOF | ||||
| From Field Partner to lenders | Jun 2021 | $52.69 | Available Jun 1 | ||
| Jul 2021 | |||||
| From borrower to Field Partner | May 6, 2021 | 14,392.09 XOF | |||
| May 20, 2021 | 14,493.45 XOF | ||||
| From Field Partner to lenders | Jul 2021 | $53.44 | Available Jul 1 | ||
| Aug 2021 | |||||
| From borrower to Field Partner | Jun 3, 2021 | 14,594.80 XOF | |||
| Jun 17, 2021 | 14,696.15 XOF | ||||
| From Field Partner to lenders | Aug 2021 | $54.19 | Available Aug 1 | ||
| Sep 2021 | |||||
| From borrower to Field Partner | Jul 1, 2021 | 14,797.51 XOF | |||
| Jul 15, 2021 | 14,898.86 XOF | ||||
| Jul 29, 2021 | 15,000.21 XOF | ||||
| From Field Partner to lenders | Sep 2021 | $82.68 | Available Sep 1 | ||
| Oct 2021 | |||||
| From borrower to Field Partner | Aug 12, 2021 | 15,608.33 XOF | |||
| From Field Partner to lenders | Oct 2021 | $28.87 | Available Oct 1 | ||
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