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Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
Jules continue to develop his business. He has decided to manufacture several more "bicycle rikshaws" [pedicabs]. This is why he needs another loan. The funds will allow Jules to purchase accessories: tires, spokes and other supplies. Thanks to the previous loan, Jules has been able to provide for his family's needs and to buy a motorbike. His next goal is to build a house.
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Translated from French by Kiva volunteer Katharina S. View original language description.
Jules continue à développer son activité. Il a décidé de fabriquer encore quelques cyclo-pousses. De ce fait, il a encore besoins de reprendre un prêt. L'argent du prêt va lui servir à l'achat d'accessoires: des pneus, des fers, des rayons et d'autres matériels. Au prêt précédent, il a pu subvenir aux besoins de sa famille et acquérir une moto. Son prochain objectif est de construire une maison.
Vahatra is a non-profit organization that provides low-income families in Madagascar with opportunities for education, healthcare, professional training, and family services. The organization specifically targets families who earn an average income of $1 or less per day per person, and evaluates each family's need to provide unique and tailored services. With Kiva's assistance, Vahatra will be able to provide loans for more people, therefore providing low-income families with new opportunities.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
Loan tags help lenders find loans that match certain areas of interest.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
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