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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 15.3% 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)
Esperanza International Dominican Republic – Dominican Republic, Haiti – 44.3% (2012)
Emprender – Bolivia – 43.6% (2012)
Edcpyme Alternativa – Peru – 43.5% (2012)
Manuela Ramos – Peru – 42.4% (2012)
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)
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)
IMPRO – Afghanistan – 24.9% (2012)
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-20%-(5/2015)
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)
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)
LiftFund-USA-17%-(9/2015) (Team members experience at least one loan default)
IMPRO – Bolivia – 15.8% (2012)
FATEN – Palestine – 15.3% (2012)
Cooperative San Jose – Ecuador – 15.2% (2012)
Patan Business and Professional Women – Nepal – 15.1% (2012)
EDESA – Costa Rica – 14.40% (5/2014)
AFODENIC – Nicaragua – 12.60% (5/2014) (Team members experience at least one loan default)
Komak Credit Union – Azerbaijan – 5.70% (5/2015)

Location: New York, NY       Team website

 

Latest Messages  

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

Team Activity

  • Las Mercedes Group
    Paraguay
    Las Mercedes Group received a loan from 1 team members purchase cloth, thread, glue, buttons, zippers, and other necessary items for dressmaking.
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    $325 to go
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  • Mubashir
    Pakistan
    Mubashir received a loan from 1 team members to construct a new room and buy furniture.
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    $700 to go
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  • Rashid
    Pakistan
    Rashid received a loan from 1 team members to purchase a computer along with some furniture for his students.
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    0% repaid
  • Deyvi Joel
    Peru
    Deyvi Joel received a loan from 1 team members to pay school fees.
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    $250 to go
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  • Bakhtiyor
    Tajikistan
    Bakhtiyor received a loan from 1 team members to pay fees for his master's degree.
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    $125 to go
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  • Koe Rory Group
    Paraguay
    Koe Rory Group received a loan from 1 team members to buy vegetables, meat, bread products, fruit, and other items.
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    0% repaid
  • Nueva Esperanza Group
    Paraguay
    Nueva Esperanza Group received a loan from 1 team members , a beautician, purchase hair coloring, creams, shampoo, rinses and other inputs.
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    0% repaid
  • Kuña Aty Ñepytyvo Rekavo Group
    Paraguay
    Kuña Aty Ñepytyvo Rekavo Group received a loan from 1 team members to buy vegetables, fruit, meat, baked goods, canned goods and other items so she can continue to sell them.
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    $4,350 to go
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  • Sargis
    Armenia
    Sargis received a loan from 1 team members to pay for his university tuition fee to get a BA degree in agronomy.
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    $650 to go
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  • Azimjon
    Tajikistan
    Azimjon received a loan from 1 team members to pay for his university tuition.
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    0% repaid
  • Jean Pierre
    Peru
    Jean Pierre received a loan from 1 team members to pay his monthly fees at his institute.
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    $375 to go
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Impact   Updated Hourly

25
Team Members
$5,800
Amount Loaned
221
Loans
8.8
Loans per member