ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Kiva Microfinance Organization

Updated on October 15, 2014

I choose to help the world making Micro Loans through Kiva

Hopefully I'll convince you that you should microfinance some businesses too. These businesses have a huge positive impact upon their communities but wouldn't be able to expand without some small business financing or microcredit. This is where Kiva comes in, matching you with entrepreneurs. But a warning: IT'S VERY ADDICTIVE. Once you get started, you won't be able to stop using Kiva microfinance. I've made over 100 loans over the past couple of years.

Oh yeah, and all the money I make from this lens I'll be donating to Kiva for their operating expenses.

Check out Kiva here

My Experience with Kiva microfinance

It all started off for me about 4 years ago, when a friend lent me a book about Microfinance. Most of the details in that book are long-forgotten but I took one most valuable thing from it: Kiva. I was immediately intrigued when I checked out the website...I could lend as little as $25 to an entrepreneur in a poor country, it would be pooled together with other lenders and that person could take the money and expand their business. They'd pay us back in monthly installments. And when I got that money back, I could immediately lend it out again. It was amazing, and seemed like such a tangible way that I could use my resources to make a difference in the world.

I was hooked and now it's 4 years, 40 loans and $1225 later and I'm still going strong. I choose to lend mostly to women, because it's often them who need a leg up in the world. I also lend mostly to Africans because it seems like the continent with the most need and where aid clearly hasn't worked. Perhaps entrepreneurship can.

What is Kiva and how it works

Your Loan Stats

How many Kiva loans have you made so far?

See results

How Kiva Works

This is straight from the Kiva Website:

I. Kiva Partners with a Microfinance Institution

Kiva partners with existing microfinance institutions around the world (we call them Field Partners). These organizations that have expertise in microfinance and a mission to alleviate poverty facilitate Kiva loans on the ground. Our Field Partners know their local area and clients and do all the leg work required to get Kiva loans to the entrepreneurs.

.II. Field Partners Disburse Loans and Upload Stories

Field Partners disburse loans as soon as they are needed. The Field Partner collects entrepreneur stories, pictures and loan details and uploads them to Kiva. Volunteer editors and translators review the loan requests and publish them to

.III. Lenders Browse Profiles and Lend

Lenders browse loan requests and select which ones they'd like to fund. Lenders can fund as little as $25 and as much as the entire amount of the loan. Kiva aggregates funds from Kiva lenders and provides them to the Field Partner.

.IV. Kiva Disburses Lenders' Funds to the Field Partner

The Field Partner uses the funds to replenish the loan they've already made to the entrepreneur. Kiva provides these funds on a schedule that accommodates the Field Partners' banking procedures.

.V. Entrepreneurs Repay Their Loana

The Field Partner collects repayments from Kiva entrepreneurs as well as any interest due and lets Kiva know if a repayment was not made as scheduled. Interest rates are set by the Field Partner, and that interest is used to cover the Field Partner's operating costs. Kiva doesn't charge interest to its Field Partners and does not provide interest to lenders.

VI. Kiva Provides Repayments to Lenders

If there is already money in the Field Partner's account, or once their payment is received, Kiva uses these funds to credit the appropriate lenders with their loan repayments. Lenders can re-lend their funds to another entrepreneur, donate their funds to Kiva (to cover operational expenses), or withdraw their funds via PayPal.


Kiva Entrepreneurs on CNN

The Pedro Story

Kiva on PBS - Exploring the impact of microfinance in Uganda

Who do you loan to?

See results
kiva, kiva microfinance, loans that change lives
kiva, kiva microfinance, loans that change lives

The perfect present

Wondering what to get that impossible to buy for person for Christmas or their birthday? Kiva! You can give gift certificates by email. Get other people hooked too!

Can small business financing help people escape from poverty?

    0 of 8192 characters used
    Post Comment
    • smithlights profile image


      6 years ago

      Great lens. I haven't done it, but I know lots of people who have, and I fully believe in the power of microloans. I love you line: "In Africa, where aid hasn't helped. Maybe entrepreneurship can." I have friends in Africa who swear it is the best way for Westerners to help the developing world. That, and child sponsorship.

    • MartieG profile image

      MartieG aka 'survivoryea' 

      6 years ago from Jersey Shore

      I didn't know about this - it sounds wonderful and I intend to do my homework-thanks!

    • JeremiahStanghini profile image


      7 years ago

      Yay for KIVA!

    • pixelposy profile image


      7 years ago

      You and another lensmaster recently introduced me to this organization. I can see how it could be addictive. It's so cool that your donation isn't just given and never heard from again. The fact that it's a loan and the money comes back to you so you can reloan it and have it do some good all over again is pretty darn cool.

    • dwnovacek profile image


      8 years ago

      I've been meaning to learn more about Kiva, and was so pleased to find your lens. Thanks for your work on their behalf. Blessed by a SquidAngel!

    • Timewarp profile image


      8 years ago from Montreal

      I found Kiva through Squidoo and it's my new favorite charity!


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)