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Microfinance is a financial service to low-income individuals or to those that do not have typical banking service to provide them with small loans. It is based on the idea that these individuals are capable of lifting themselves out of poverty with a little help and support.

“We are a non-profit organization with a mission to connect people through lending to alleviate poverty. Leveraging the internet and a worldwide network of microfinance institutions, Kiva lets individuals lend as little as $25 to help create opportunity around the world. ”

How Kiva Works, Simplified
1. The borrower meets with a Field Partner and asks for a loan
2. The Field Partner disburses a loan
3. The field Partner uploads the loan request to Kiva and it is reviewed, then published on
4. Kiva lends the loan request and sends the funds to the Field Partner
5. The borrower makes repayments and the Field Partner sends funds owe to Kiva. Kiva repays the lenders.
6. The Lenders can make another loan, donate to Kiva, or withdraw the money to their PayPal account

“70% of all lenders choose to make another loan!”

As of now, the total amount of money that has been lent through Kiva is over $350 Million. There are over a million Kiva users, and Kiva Field Partners are located in 66 countries around the world.


To learn more about Kiva you can visit