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We loan because...
We are grateful for the times the universe has been willing to take a chance on us, and because karma...

About us
Our primary focus is on the borrowers and their needs, and we have faith in their good intentions toward lenders and Kiva. First-time borrowers, especially individual ones, are often the most needy borrowers of all. Being unknowns, first loans are at inherently higher risk of delinquency or default, which many lenders are not willing or able to accommodate.

We choose to assume this higher risk judiciously on some proportion of our loans in the hope of doing the most good, by providing vulnerable first-time borrowers the opportunity to prove themselves.

Our goal is to encourage loans to first-time borrowers and to attempt some assessment of how risky these loans actually are. There is no expectation that loans be credited to this team, but please post your loans to borrowers identified in the loan description as first-time borrowers here so we can try to monitor their performance.

You can find first-time loans here;

Location: Wherever we can be the first rung...      


Latest Messages  

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

Team Activity

  • Nancy
    Papua New Guinea
    Nancy received a loan from Dickey to buy new taxi.
  • Dibura
    Papua New Guinea
    Dibura received a loan from Diane (& Bill) to buy bottles and perfume liquid for the coconut cream hair oil that she makes for sale.
    Diane (& Bill)
  • Madeleyni
    Madeleyni received a loan from Dickey to buy spare parts such as blender jars and blades, motors, cables, etc.
  • San Felipe Group
    San Felipe Group received a loan from 3 team members to expand her business buying and selling fruits and vegetables.
    Magenta margaret Diane (& Bill)
  • Diện
    Diện received a loan from Rick to buy fertilizer and seedlings for her farm.
  • Marceline
    Marceline received a loan from margaret to buy more inventory and be in possession of sufficient stock of clothes for sale.
  • Donika
    Donika received a loan from 4 team members to re-start her selling clothes and shoes business, so she and her daughter can have an opportunity to work and provide for their family.
    Magenta Arnd Marjorie margaret
  • Korpo
    Korpo received a loan from margaret to buy more charcoal, rice, oil, soap, Vita, onions, vegetable oil and bread.
  • Simusolar
    Simusolar received a loan from margaret farmers and fishers in Tanzania to earn more income with solar water pumps and fishing lights.
  • Karina Vanessa
    Karina Vanessa received a loan from Magenta to purchase a desktop computer, chargers, USB cables, notebooks, reams of paper, erasers, scissors, staplers, folders, poster board, general paper goods, etc.

Impact   Updated Hourly

Team Members
Amount Funded
Loans per member