Kiva.org -- Make a loan, change a life

1. People are by nature generous, and will help others if given the opportunity to do so in a transparent, accountable way.
2. The poor are highly motivated and can be very successful when given an opportunity.
3. By connecting people we can create relationships which exceed beyond financial transactions, and build a global community expressing support and encouragement of one another.
4. Dignity: Person-to person lending encourages partnership relationships as opposed to benefactor relationships. Partnership relationships are characterized by mutual dignity and respect.
5. Accountability: Loans encourage more accountability than donations where repayment is not expected.
6. Transparency: The Kiva.org website is an open platform where communication can flow freely between the developing and developed worlds.

International

What We Do

We let you loan to the working poor.
Kiva lets you connect with and loan money to unique small businesses in the developing world. By choosing a business on Kiva.org, you can "sponsor a business" and help the world's working poor make great strides towards economic independence. Throughout the course of the loan (usually 6-12 months), you can receive email journal updates from the business you've sponsored. As loans are repaid, you get your loan money back.

We partner with organizations all over the world.
Kiva partners with existing microfinance institutions. In doing so, we gain access to outstanding entrepreneurs from impoverished communities world-wide. Our partners are experts in choosing qualified borrowers. That said, they are usually short on funds. Through Kiva.org, our partners upload their borrower profiles directly to the site so you can lend to them.

We show you where your money goes.
Kiva provides a data-rich, transparent lending platform for the poor. We are constantly working to make the system more transparent to show how money flows throughout the entire cycle.

We facilitate connections.
Kiva is using the power of the internet to facilitate one-to-one connections that were previously prohibitively expensive. Child sponsorship has always been a high overhead business. Kiva creates a similar interpersonal connection at much lower costs due to the instant, inexpensive nature of internet delivery. The individuals featured on our website are real people who need a loan and are waiting for socially-minded individuals like you to lend them money.