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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)
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)
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)
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)
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 – 15.8% (2012)
Cooperative San Jose – Ecuador – 15.2% (2012)
Patan Business and Professional Women – Nepal – 15.1% (2012)
Komak Credit Union – Azerbaijan – 14% (10/2016) (Team members experience at least one delincuency)
AFODENIC – Nicaragua – 13% (10/2016) (Team members experience at least one loan default and a delincuency)
FUNDAPEC - Dominican Republic - 5%

Location: New York, NY       Team website

 

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Team Activity

  • Alan
    Paraguay
    Alan received a loan from Charlie to repair his photocopier.
    Charlie
     Only 45 hours left! 
    $375 to go
    Lend Now
  • Aida
    Paraguay
    Aida received a loan from Charlie to purchase supplies to make food to sell.
    Charlie
    $675 to go
    Lend Now
  • Barak
    Paraguay
    Barak received a loan from Charlie to buy school supplies for university.
    Charlie
    $375 to go
    Lend Now
  • La Esperana Group
    Paraguay
    La Esperana Group received a loan from Charlie to buy supplies for foods, like meat, condiments, chicken, ham, eggs, and other products.
    Charlie
  • Francisco
    Paraguay
    Francisco received a loan from Charlie to pay university fees and expenses.
    Charlie
  • Milka
    Tanzania
    Milka received a loan from Kendra to buy bundles of second-hand clothes, pillow cases, bed sheets and fabrics.
    Kendra
  • Vaileta
    Samoa
    Vaileta received a loan from Kendra to buy taro, bananas, cooking oil, large pots and seasoning.
    Kendra

Impact   Updated Hourly

26
Team Members
$24,475
Amount Loaned
888
Loans
34.2
Loans per member