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We loan because...
We hate to see loans being left unfunded on
Kiva. Although most of these loans are
pre-funded by the Field Partners, the Field
Partners lose out on the capital if a loan
doesn't get funded on Kiva. We believe that
this will damage the Field Partners in the long
term and impair their capacity to make loans to new borrowers.

We can't save every red loan, but we try to
make a difference as in the Starfish Story:
Help us fund loans we're already supporting:

Check out Charlotte's Web:

This watchlist for loans suggested by the team members (starfish + offlist) shows:
* the current position in the popularity ranking (considering pages 1 to 5)
* the timestamp of the most recent loan
* the basket amount
Click magnifier icon for more info. Or read Charlotte’s post at @Charlotte re: #346848
Also known as "CW," or "Charlotte's Web of Wonders"

We invite you to join us and make a difference, too. Please check the team board at 2 am Kiva time, 7 am Kiva time, 1 pm Kiva time and 6 pm Kiva time to coordinate lending.

See our team fund page:

About us
Alan's account of the founding of LLL is on the team board @Alan re: #260143. Loans that are nearing expiry won't get funded if they don't get noticed. We look for loans that are about to expire by using the Sort By:
"Expiring Soon" option instead of the default "Popularity", and then work to get them funded.

See our team FAQ, linked above (the "Team Website" button, next to our traffic light avatar).

A Team LLL glossary (contributed by team member Tony):

Red Loans: Loans that have less than five days to be funded, identifiable by the red box with the notice that says "Only x days left!" or
"Only x hours and y minutes left!"

LLL - Late Loaning Lenders: this team, where
lenders work together to keep loans from

SFDD - Starfish Daily Dozen: Under current
practice, one of these lists is prepared and
posted for each day, to help LLL lenders focus
and coordinate their lending on a targeted
group of loans (the Starfish or SF). The lists
are prepared by a group of volunteers who
seek to be objective in selecting the loans to
be included in their lists. They also seek to
spread out the loans in each list over a 24 hour
period and to share the joy among the Field
Partners with loans expiring during that period,
but their efforts are always constrained by the
choice of loans that are available for inclusion
in the list. Loans with larger amounts needed
will be included in the period immediately after
each Credit Day, when lenders are feeling
flush, but the lists will become less ambitious
when the LLL lenders are feeling poor.

GG - Gorgeous Group: The SFDD list-makers usually add one or two of these loans at the end of the SF daily dozen lists. As the name
implies, only group loans are picked. When it is
first posted, a typical GG loan will expire two
days or more after the list is posted. It will
usually be retained as a GG until it becomes
Fully Funded or moves into Starfish range. The amount needed when the loan is selected as a GG will vary depending on the time of month.

OPM - Abbreviation for "other people's money." Our main lending method is to coordinate LLL team members' loans, so that we make several loans to a borrower within a short period of time. This will move the borrower's loan request up in Kiva's "popularity" sort and get the loan noticed by other people (non-members of the LLL team). Many loans then get their funding completed by loans from those non-LLL members. By attracting other lenders' attention to our Starfish loans in this way, we multiply the impact of our finite funds, and save more loans from expiring than we otherwise could.

RTR - Reduce the Red: These lists are
prepared and posted when there are large
numbers of loans slated to expire in a short
period of time. "Red" is a reference to the red
boxes that are added to a loan description
when the Loan is about to expire without full

Bulge: A short period in which a great many loans have their scheduled funding expiration times. This may happen when, for example, the volunteer coordinators at Kiva offer a promo of some kind to the editors & translators, to get them to do a lot of work in a very short period of time. Bulge loans are prime candidates for inclusion in Reduce the Red lists.

BTB - Battling the Boxes: On those days where
there aren't 12 loans that qualify as "Starfish," the listmakers will include loans that have their red boxes, but more than 24 hours left before their deadline, to make up the 12 loans for the list. The criteria are similar to SF
loans, i.e., one per field partner and reasonable
amounts left to fund (not too much; not too
little), except that these loans may have a longer time left before their expiry date. If they gain good traction on their first BTB day, they may be carried forward. If not ... they stand a second chance as SF.

FF - Fully Funded: This is LLL code for a loan
that has received all the loans required for it to be removed from the list of loans that are raising funds and to move into paying back status.

Lars Ratio: the average funding per hour that is needed for a loan to become fully funded. As a rule of thumb, in a loan's last 24 hours on Kiva, it's more likely to end up fully funded if its Lars ratio is no greater than 100. (I.e., if it needs to raise no more than $100 per hour.)
(Developed by team member Lars)

Wiedergänger (contributed by Maria) - German expression, literal translation "again walker," meaning "undead," i.e. a person that has died but comes back, aka a zombie. Here it means a loan that disappears from the page, but comes back again because somebody didn't check out their basket.

Ruma sana (contributed by Jouko and Potkukelkka) - Finnish expression, literal translation "ugly words." It is a phrase to use when you are very frustrated, but want to stop just short of actual cursing -- for example, when the Kiva site repeatedly logs you out when you are trying to rescue an expiring loan at the last second.

Windmills (as in "tilting at windmills"): From the book The Ingenious Gentleman Don Quixote of La Mancha. It refers to a knight on a horse running at a windmill with his lance, attempting to "defeat" the windmill (the failure of which act is a foregone conclusion). When an expiring loan is referred to as a windmill, people are saying that they think the loan may be a lost cause already ... but since we're all gluttons for punishment, and since you never know what will happen on Kiva, sometimes we take a run at the loan anyway!

See data about all loans currently fundraising on Kiva:
See data about loans that have been mentioned on the LLL board, including the most recent lending activity on each loan:
See loans in real time, as they are made:
See "the fireworks" when lending is very fast:

Lists are posted on the LLL Team message
board. Join us!

Location: Anywhere       Team website


Latest Messages  

99+ messages. Join the team to get in on the action!

Team Activity

  • La Cuna De Arcoiris Group
    La Cuna De Arcoiris Group received a loan from 5 team members to buy corn and beans, as well as a larger stove for her tortillería.
    Jan Shirley Lidia Gail James
     Only 2 days left! 
    $1,975 to go
    Lend Now
  • Eresmilda
    Eresmilda received a loan from Irene to pay for her college fees.
    0% repaid
  • Wube Group
    Wube Group received a loan from 3 team members to raise and sell rams.
    Lidia James Mara
    0% repaid
  • Edik
    Edik received a loan from 2 team members to pay for adding new rooms and purchasing other furniture and supplies for his cafe.
    Shirley Mara
     Only 1 day left! 
    $2,750 to go
    Lend Now
  • Ismael
    Ismael received a loan from Andy to buy chicks and needed equipment, such as a "water tank, a new chicken plucking machine and feed," and items to create a suitable environment for them.
    $775 to go
    Lend Now
  • Nasreen
    Nasreen received a loan from James to buy a rickshaw body and seat covers for her husband's transportation services.
    $400 to go
    Lend Now
  • Veronica
    Veronica received a loan from James to purchase a stock of new clothes for resale.
    $175 to go
    Lend Now
  • Manu's Group
    Manu's Group received a loan from Yvann to purchase one more fully automated sewing machine and materials like colorful threads, cloth and grease.
    $225 to go
    Lend Now
  • Rosa
    El Salvador
    Rosa received a loan from 2 team members to purchase doors, windows, and corrugated siding to upgrade the roof, doors, and windows of her home.
    Michael Sharon
     Only 1 day left! 
    $125 to go
    Lend Now
  • Yoxaja Sector Campo Group
    Yoxaja Sector Campo Group received a loan from 2 team members to buy traditional clothing like blouses, belts and skirts.
    Michael Mara
     Only 1 day left! 
    $3,425 to go
    Lend Now
  • Mayra Elizabeth
    El Salvador
    Mayra Elizabeth received a loan from Michael to buy: cement, sand, gravel, sheets and wood to improve the floor and the roof of her dwelling.
    0% repaid

Impact   Updated Hourly

Team Members
Amount Loaned
Loans per member

Rankings Across All Teams

#9 for Amount Loaned (This Month)

Rankings In Common Interest Category

#9 for New Users (All Time)
#8 for New Users (This Month)
#7 for Amount Loaned (This Month)
#9 for Amount Loaned (Last Month)