Irene, Business owner, Kenya
Irene, Business owner, Kenya

Everyone deserves a
chance to succeed

Over 1.4 billion people lack financial access. With $25, help someone invest in their future.

Juliana, Fruit and vegetable seller, Ghana
Juliana, Fruit and vegetable seller, Ghana

Invest in change
that lasts

Lend, get repaid, lend to someone else. Withdraw at any point.

Kiva loans lead to long-term, successful outcomes. That’s why Kiva has a 96% repayment rate.

How Kiva works
Wayan, Artisan, Indonesia
Wayan, Artisan, Indonesia

Our commitment

100% of your loan goes toward supporting borrowers.

Kiva takes due diligence and monitoring very seriously as part of our responsibility to our lenders and borrowers. Borrowers on Kiva are vetted or endorsed by either a local Lending Partner, Trustee or members of the community. All Lending Partners must provide leadership information, financial documentation, and detailed plans for using Kiva’s capital. Periodically, a Kiva analyst conducts an on-site visit to conduct interviews with leadership, management, and borrowers.

We cover most of our operating costs through voluntary donations made by Kiva lenders. As a 501(c)3 U.S. nonprofit, the remainder of our costs are covered through grants and donations from foundations and supporters. Additionally, select lending partners contribute small platform fees as we continue building innovative technologies that help create a more financially inclusive world.

Kiva never takes a fee from lenders. 100% of funds lent on Kiva go to funding loans.

Kiva partners with microfinance institutions, nonprofits, and other organizations to disburse loans in the communities we serve.

Most borrowers do pay interest to these local lending partners to help cover their operation costs. We verify that these rates are appropriate for the region and we only choose partners who have fair, non-predatory lending practices and prioritize social good.

Some borrowers funded through Kiva do receive 0% interest loans, including most direct loans, which are loans not made through a local lending partner.

Our Impact

Eufemia, store owner, dominican republic
Eufemia, store owner, dominican republic

"If I hadn’t taken those loans, my business would have never grown. I have a family to provide to, it takes money. And so, with these loans, I was able to keep my family afloat.”

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Christopher, Artist, ghana
Christopher, Artist, ghana

"It'd be very difficult without a loan to expand my business. I don't know what would have happened if I didn't have this loan...my sales have gone up tremendously and this has affected the lives of my children and other people around me."

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Sultani, textiles, turkey
Sultani, textiles, turkey

“After COVID, work became more difficult. Our shop was closed for a long time, we couldn't work. But with this loan, our situation got better.

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Susan, Owns a handicraft business, Costa Rica
Susan, Owns a handicraft business, Costa Rica

"I’ve really grown as a woman, as a businessperson, and I can teach my kids how to value these types of things as well.

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Our Partners

Our strategic partners enable us to invest in innovation, technology, and progress toward global financial inclusion and expand our global impact.

“Kiva’s ability to leverage the power of technology and compassion has produced an impressive record of impact that has helped millions of entrepreneurs around the world. PayPal is honored to be a long-time partner of Kiva as we work together to advance greater access to financial services and build a more inclusive economy.”

Franz Paasche Chief Corporate Affairs Officer at PayPal