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Choose a borrower
Browse categories of borrowers— people looking to grow businesses, go to school, switch to clean energy, and more.
Make a loan
Select a borrower who you connect with and help fund a loan with as little as $25.
Get repaid
Receive updates on your loans and see the dollars return to your Kiva account.
Repeat!
Use the repayment to support another borrower, or withdraw your money.
Learn more about how Kiva works
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.
Margarita Del Rocio lives with her family in Montecristi, which stands out for its handicrafts that are made out of toquilla straw, wicker, piquigua [a local fiber plant] and wood. Here they make the fine straw hats that are know all over the world as "Panama hats."
Margarita Del Rocio has a business in her house where she sells a large variety of clothing for men, women, and children. She also sells beauty products from the Avon brand (perfumes, creams, cosmetics, and jewelry). She sells at home and door-to-door to her customers, selling on credit and collecting weekly.
Margarita Del Rocio needs this loan to buy t-shirts, pants, shirts, jewelry, lipsticks, nail polish, shampoo, eye shadow, anti-aging creams, and other merchandise.
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Translated from Spanish by Kiva volunteer Lisa Grobar. View original language description.
Margarita Del Rocio y su familia viven Montecristi se destaca por sus artesanías elaboradas en paja toquilla, mimbre, piquigua, y madera; sombreros finos de paja toquilla, reconocidos en el mundo como “Panamá Hat” reconocidas en todo el país y fuera del él. Margarita Del Rocio en su casa se dedica a vender gran variedad de ropas para damas, caballeros y niños, productos de catálogos de Avon (perfumes, cremas, cosméticos y bisuterías) ella también ofrece visitando de casa en casa a sus clientes a quienes ella deja a crédito la mercadería a crédito, les cobra semanal. Este crédito lo necesita para comprar camisetas, pantalones, camisas, bisuterías, labiales, esmaltes, shampoo, sombras, cremas anti edad, etc.
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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