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We loan because...
We want to change the World without predatory practices. We believe microloan interests should be as low as possible: 30% (PY/APR) Maximum. We are the only team we are aware that has this cap.

About us
The team members should be united by our pledge “Not lending through Kiva Partners that charge more than 30% PY/APR for servicing a loan.”
If Kiva Partner, Palestine for Credit & Development (FATEN) can charge 17% PY/APR for their loans and still make a profit, there is no reason why a For Profit Non Regulated institutions like Kiva Partner Credituyo should charge 85.9% PY/APR in Mexico. Do you know how high the PY/APR is for the loans you patricipate?

These are some Kiva Partners PY "Portafolio Yield" (aka INTEREST)examples:

BRAC South Sudan – South Sudan – 88.0% (2012)
Credituyo – Mexico – 85.9% (2012)
CrediComun – Mexico – 73.9% (2012)
Turame Community Finance – Burundi – 71.3% (2012)
Sinapa Aba Trust – Ghana – 62.6% (2012)
Urwego Opportunity Bank – Rwanda – 62.6% (2012)
Center for Community Transformation Credit Cooperative – Philippines – 62.0% (2012)
Fund for Thanh Hoa Poor Women – Viet Nam – 62.0% (2012)
Tujijenge Tanzania – Tanzania – 61.8% (2012)
FINCA Peru – Peru – 57.8% (2012)
Hekima – Democratic Republic of the Congo – 57.8% (2012)
MLO Humo – Tajikistan – 57.2% (2012)
ADIM – Nicaragua – 56.5% (2012)
Pearl Microfinance Limited – Uganda – 54.8% (2012)
VisionFund Mexico - Mexico - 54.34% (3/2013)
SMT – Sierra Leone – 54.0% (2012)
FRAC – Mexico – 53.8% (2012)
FAPE – Guatemala – 53.6% (2012)
HOPE Ukraine/Nadiya – Ukraine – 52.4% (2012)
Tanaoba Lais Manekat Foundation – Indonesia – 50.3% (2012)
Alalay sa Kaunlaran – Philippines – 50.2% (2012)
CEVI – Philippines – 49.3% (2012)
SPBD – Samoa – 49.0% (2012)
Hluvuku-Adsema – Mozambique – 49.0% (2012)
ARD – Sierra Leone – 48.2% (2012)
Vision Finance Company – Rwanda – 48.1% (2012)
MCC Mol Bulak Finance – Kyrgyzstan – 47.3% (2012)
HOFOKAM – Uganda – 47.3% (2012)
Koperasi Mitra Usaha Kecil – Indonesia – 47.0% (2012)
Prisma Honduras, S.A. – Honduras – 46.6% (2012)
EDAPROSPO – Peru – 45.1% (2012)
One Acre Fund-Kenya-45%-(5/2015)
Paglaum Multi-Purpose Cooperative – Philippines – 44.6% (2012)
Emprender – Bolivia – 43.6% (2012)
Edcpyme Alternativa – Peru – 43.5% (2012)
Manuela Ramos – Peru – 42.4% (2012)
Esperanza International Dominican Republic – Dominican Republic, Haiti – 41% (4/2017)
ASHI – Philippines – 40.8% (2012)
Fundación Paraguaya – Paraguay – 39.7% (2012)
BRAC Uganda – Uganda – 39.0% (2012)
IMON International – Tajikistan – 37.8% (2012)
Negros Women for Tomorrow Foundation – Philippines – 37.1% (2012)
PADECOMSM – El Salvador – 36.6% (2012)
Microfinanzas Prisma – Peru – 36.4% (2012)
Hagdan sa Pag-usag Foundation – Philippines – 35.5% (2012)
Alivio Capital - Mexico - 35% (10/2016)
ASDIR - Nicaragua - 35% (10/2016) (Team members experience at least one loan default)
Fondo Esperanza – Chile – 34.8% (2012)
Asociación Arariwa – Peru – 34.5% (2012)
Asasah – Pakistan – 34.1% (2012)
Al Majmoua – Lebanon – 33.8% (2012)
Christian Rural Aid Network – Ghana – 33.6% (2012)
YOSEFO – Tanzania – 31.8% (2012)
Amasezerano Community Banking – Rwanda – 31.1% (2012)
Fundación Leon 2000 – Nicaragua – 30.9% (2012)
Yehu Microfinance Trust – Kenya – 30.6% (2012)
Faulu Kenya – Kenya – 30.3% (2012)
Agroinvest Credit Union – Azerbaijan – 30.1% (2012)
SMEP Deposit Taking Microfinance – Kenya – 29.5% (2012)
Pro Mujer Bolivia – Bolivia – 29.4% (2012)
Apoyo Integral – El Salvador – 29.0% (2012)
MAXIMA Mikroheranhvatho – Cambodia – 29.0% (2012)
Credit Mongol – Mongolia – 29.0% (2012)
Alidé – Benin – 28.9% (2012)
Gata Daku Multi-purpose Cooperative – Philippines – 28.5% (2012)
CEPRODEL – Nicaragua – 28.5% (2012)
PADECOMSM-El Slavador-28%-(5/2015)
CREDIT – Cambodia – 28.0% (2012)
CHF International Access to Credit Services – Iraq – 27.9% (2012)
Banco D-MIRO S.A. – Ecuador – 27.4% (2012)
Hattha Kaksekar – Cambodia, Thailand – 27.3% (2012)
Kenya Agency for Development of Enterprise and Technology – Kenya – 27.1% (2012)
Asociación ASDIR – Guatemala – 28% (9/2015) (Team members experience at least one loan default)
SEDA – Viet Nam – 24.3% (2012)
TYM Fund – Viet Nam – 23.9% (2012)
GHAPE – Cameroon – 22.1% (2012)
Xac Bank – Mongolia – 21.9% (2012)
FUDESCOSUR – Costa Rica – 21.83% (3/2013)
UIMCEC – Senegal – 21.8% (2012)
Nor Horizon – Armenia-19% (4/2017) (Team members experience at least one loan default)
Soro Yiriwaso – Mali – 20.8% (2012)
Juhudi Kilimo – Kenya – 20.8% (2012)
WAGES – Togo – 20.7% (2012)
Accion USA – United States – 20.4% (2012)
Fundación ESPOIR – Ecuador – 20.2% (2012)
Nor Horizon's - Armenia - 19% (10/2016) (Team members experience at least one loan default)
Ameen s.a.l. – Lebanon – 18.7% (2012)
FMSD – Colombia – 17.7% (2012)
CAURIE – Senegal – 17.5% (2012)
Ryada – Palestine – 17.1% (2012)
CIDRE – Bolivia – 17.1% (2012)
EDESA – Costa Rica – 17% (10/2016)
FATEN – Palestine – 17% (10/2016)
LiftFund-USA-17%-(9/2015) (Team members experience at least one loan default)
IMPRO – Bolivia – 19% (4/2017)
Cooperative San Jose – Ecuador – 16% (4/2017)
Komak Credit Union – Azerbaijan – 14% (4/2017) (Team members experience at least one loan default)
AFODENIC – Nicaragua – 13% (10/2016) (Team members experience at least one loan default)
FUNDAPEC - Dominican Republic - 5%

Location: New York, NY       Team website

 

Latest Messages  

10 messages. Join the team to get in on the action!

Team Activity

  • Juan
    Paraguay
    Juan received a loan from Charlie to buy drinks, meats, bakery products, lactates, vegetables, fruits and other products.
    Charlie
    $925 to go
    Lend Now
  • Natalia
    Paraguay
    Natalia received a loan from Charlie natalia pay her university fees and pursue her career studies.
    Charlie
    $525 to go
    Lend Now
  • San Francisco Group
    Paraguay
    San Francisco Group received a loan from Charlie to buy inputs for making chipas (cheese bread), such as starch, cheese, eggs, butter, anise, milk, and additional ingredients.
    Charlie
    $5,600 to go
    Lend Now
  • Elvio
    Paraguay
    Elvio received a loan from Charlie to pay his degree fees for his studies in Electrical Technology.
    Charlie
    $625 to go
    Lend Now
  • Creciendo Juntas Group
    Paraguay
    Creciendo Juntas Group received a loan from Charlie purchase tomatoes, green peppers, onions, potatoes, cabbage, lettuce, parsley, oranges, apples, pears, pineapple, melons, lychee, and other fruits and vegetables.
    Charlie
  • La Esperanza Group
    Paraguay
    La Esperanza Group received a loan from Charlie to buy oil, vegetables, meat, baked goods, produce and other products.
    Charlie
  • Sonia
    Paraguay
    Sonia received a loan from Charlie to pay degree fees.
    Charlie
  • Koeju Group
    Paraguay
    Koeju Group received a loan from Charlie to buy drinks, baked goods, vegetables, sausages, meat, greens, fruits and other products.
    Charlie
    $2,975 to go
    Lend Now

Impact   Updated Hourly

28
Team Members
$36,650
Amount Loaned
1,273
Loans
45.5
Loans per member