With climate change impacting unbanked and underserved populations the most, it’s more important than ever to help people get the financial resources they need to build resilience and adapt.
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Reducing climate vulnerability for underserved communities
Removing barriers to finance is key to helping climate-vulnerable people navigate the effects of climate change.
Kiva helps climate-vulnerable communities build sustainable livelihoods through climate-smart finance.
Climate-smart finance refers to investments and other financial services — like Kiva loans — that mitigate greenhouse gas emissions, and/or help underserved populations build resilience and adapt to the risks and impact of climate change.
Kiva’s impact for climate-affected communities
Kiva is committed to supporting 1.1 million climate-affected people by 2028.
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Increasing resilience and income for the most at-risk people
Smallholder farmers are on the front lines of climate change. Changing weather patterns leave them susceptible to huge shocks — and the possibility of having to leave everything behind to seek better land and opportunities. We’re dedicated to providing the financial resources farmers and small business owners need to adapt to the changing climate and maintain a sustainable livelihood.
Access to climate-smart loans and financial services like crop insurance helps smallholder farmers grow their income, withstand climate-related shocks, and remain in their homes.
Kiva has funded $59M in loans supporting climate resilience.
Those loans have supported people like Musa, a farmer in Uganda who used his Kiva loan to increase his crop yield, all while reducing his environmental impact through sustainable farming practices.
Lend to a smallholder farmer
Supporting the growth of renewable energy companies
Countless small and mid-sized businesses are denied the funding they need to grow — too big for microfinance loans, yet too small for traditional bank loans. Many of these companies work with renewable energy to mitigate the impacts of climate change by reducing CO2 emissions. With proper support, these businesses can scale and help slow the effects of a warming planet.
We facilitate loans to businesses that are making a real impact on mitigating climate change and providing clean energy products to climate-vulnerable communities.
Kiva has funded $37M in climate mitigation, 85% of which has been financing for solar energy companies serving low-income customers.
d.light has helped put solar-powered lanterns, cookstoves, and more into the homes of over 100 million people. With the help of Kiva loans, they’re looking to transform one billion lives by 2030.
Lend to a social enterprise
Strengthening livelihoods for sustainable small business owners
Innovative entrepreneurs are motivated to make sustainable changes, but don't have access to the funds they need to start or grow their businesses. Lowering the barrier to financial services can help ethical small business owners scale while making sustainable changes that benefit their communities — and the world.
Kiva facilitates new investment into eco-friendly small businesses and provides capacity building support to help them improve their sustainable practices.
With a Kiva loan, Someone Somewhere helped 200+ artisans make climate-neutral apparel.
Someone Somewhere helps Mexican artists preserve traditional crafts while championing a more sustainable fashion industry. With the support of Kiva lenders, they’re working to expand their reach to support 370 artisans by 2025.
Lend to a mission-driven organization
Your loan can change the lives of the people most affected by climate change.
Help a farmer switch to organic fertilizer to better feed their community
Provide clean, affordable solar power to communities without access to power grids
Help a family breathe healthier air with a clean-energy cookstove
Support an entrepreneur expanding their recycling business
Learn more about climate change and financial access
What is climate resilience?
Climate resilience is the ability to cope with serious climate events like droughts and hurricanes, like a farmer using a Kiva loan to get climate risk insurance.
Read moreWhat is climate mitigation?
Climate mitigation includes actions that slow climate change, like lowering greenhouse gas emissions by installing solar power or using a clean cookstove.
Read moreWhat is climate adaptation?
Climate adaptation means finding solutions for how to live with the effects of climate change, like farmers using Kiva loans to purchase seeds for new crops.
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