Search on properties

Type of initiative

Field of work


Search on keyword

You are here:  en  /  Initiatives  /  Kiva
back to the overview



Kiva is an American non-profit organization founded in 2005 that makes it possible via its website ( for people to fund loans to small entrepreneurs who miss start-up capital to start a business to improve their lives.


In many countries around the world entrepreneurs have trouble to find the capital they need for their (small) enterprise. On Kiva’s “Lend” page  you will find hundreds of projects from entrepreneurs, particularly from the developing world, in need of a loan, but who do not have access to traditional banking systems.


Kiva makes it possible to fund loans to those entrepreneurs. The requests from borrowers are various: from a loan of $500 to help purchase an additional bundle of fishing net for a fishing business in the Philippines to a loan of $275 to help a farmer in El Salvador to hire equipment which will help him prepare and store his latest harvest.


There are countless entrepreneurs who would like to start or expand their business and the only thing they miss is a (small) start-up capital. Kiva is the ideal solution to this ‘chicken-or-the-egg-situation’.


The description on the Kiva website contains information about the borrower, the repayment terms and information about the loan. You will also find additional information about the Kiva field partner who provides the financial services.


Kiva partners with existing microfinance institutions, social businesses, schools and non-profits around the world. They call these organizations their field partners. Their field partners are responsible for screening borrowers, disbursing loans, collecting repayments and otherwise administering Kiva loans.


These microfinance institutions can present a certain number of loans on the Kiva-website every month. All loans are on the basis of microfinance. Microfinance is the supply of loans, savings, and other basic financial services to the poor.


Lenders browse loan requests and select which ones they'd like to fund. They can lend as little as $25 or as much as the entire amount of the loan. To help streamline the loan transaction process, loan requests posted by the Field Partner are rounded up to the nearest $25 increment. Kiva aggregates funds from Kiva lenders and provides them to the Field Partner. Nowadays most field partners choose to disburse funds before the loan request is posted. The Field Partner uses the funds received by Kiva to replenish the loan they have already made to the borrower. The Field Partner collects repayments from Kiva borrowers as well as any interest due. Kiva does not charge interest to its field partners. Kiva uses these funds to credit the appropriate lenders with their loan repayments. Lenders can re-lend their funds to another borrower, donate their funds to Kiva (to cover operational expenses), or withdraw their funds via PayPal. Kiva has a 98.93% repayment rate.


Kiva is a huge success and works with 243 field partners and 450 volunteers in over 76 different countries around the world.


The total amount lent through Kiva is $ 549,359,550, lent by 1,149,230 Kiva lenders.


Registering is simple; all you need is an e-mail address and a password to sign up. Payments are done via a PayPal-account or a credit card, but it is also possible to donate via check or wire your donation.


Watch the story of a Kiva loan through Pedro below, a farmer who gets a loan through and transforms his business.


Sources: Kiva, Experius: Microkrediet via Kiva and Kivaleningen



How Kiva Works from Kiva on Vimeo.


Permalink  |  Share




Type of initiative Information/network organization
Field of work Financial services, Other (non-profit), Other (specify): microfinance
Date of commencement 2005
Founder(s) Matt Flannery en Jessica Jackley
Legal form Non profit organisatie 501 (c) 3
Continent North America
Country United States
City San Francisco
One or several keywords that describe your initiative Alleviate poverty, microfinance, connecting people, creating opportunities
Publications Books, Newsletters, videos, educational material
More information

Contact person(s)


Contact information

Name Kiva
Address 875 Howard Street, Suite #340
Zip/postal code CA 94103
Place San Francisco
State/province California
Country USA
Phone +1 (828) 479-5482 (only voicemail)



View all initiatives