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We loan because...
Why keep money sitting around somewhere when it could be much more useful as capital for entrepreneurs?

About us
Many people have large amounts of money just lying around, not accruing interest or being utilized in any useful way. This team is about making that money work – by shifting excess unused capital from your household into Kiva, you can help others while staying financially secure!

Keeping a high balance in your checking/savings account is unnecessary for many people. The yearly interest you earn on this amount, even in high-yield savings, usually won’t even top $100 on $10,000 in the current interest rate climate. How many Kiva entrepreneurs could you help with that money? (Answer: up to 800!*)

Shift some of that redundant money to Kiva and help alleviate poverty!

Notes: Since this money is being shifted from funds that you are somewhat used to having at your disposition, it is important that you are selective with your loans. You can loan to whoever you want, but it’s prudent to have this money available in a reasonable amount of time. Remember, you cannot get money from Kiva back immediately; you have to wait for repayments. That’s why we recommend investing in short-term loans of 5 or 6 months (so your repayments come in quickly and you can recoup all of your capital within half a year), spreading loans across multiple entrepreneurs/field partners/geographical regions (“diversifying” your loans to mitigate risk), and choosing field partners that have at least a 3-star rating (higher ratings means less delinquent/defaulted loans). Following these suggestions minimizes the risk inherent in loaning on Kiva.

*Assuming you invest the $10,000 in individual $25 loans of

Location: Everywhere      

 

Latest Messages  

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

Team Activity

  • Wayan
    Indonesia
    Wayan received a loan from Lawrence to invest in a bulk purchase of wood.
    Lawrence
  • Luisa Amanda
    Nicaragua
    Luisa Amanda received a loan from Lawrence to buy: bread, sugar, oils, beans, and other products.
    Lawrence
  • Virgie
    Philippines
    Virgie received a loan from Lawrence to buy ingredients such as dressed chicken, flour, spice, and other supplies needed in her business.
    Lawrence
  • Nat
    Cambodia
    Nat received a loan from Lawrence to build a decent toilet to make her living more convenient than before.
    Lawrence
  • Narciso
    Mozambique
    Narciso received a loan from Lawrence narciso to buy zinc sheets, cement, a handcart, rods, and sand.
    Lawrence
  • Savoeun Group
    Cambodia
    Savoeun Group received a loan from Lawrence to purchase insecticides and to cover plowing expenses.
    Lawrence
  • Maryam
    Jordan
    Maryam received a loan from Lawrence to pay for her son's university tuition fees for a bachelor's degree in Marketing.
    Lawrence

Impact   Updated Hourly

26
Team Members
$122,050
Amount Loaned
2,307
Loans
88.7
Loans per member

Rankings In Events Category

#1 for Amount Loaned (All Time)
#1 for Amount Loaned (This Month)
#1 for Amount Loaned (Last Month)