• Created in 2005
  • Started by Matt Flannery and Jessica Jackley
  • In October of 2005 Kiva is founded as a non profit
  • In February of 2006 they launched there micro loan strategy
  • In December 2006 they loaned 2 million and were featured in the new York times
  • Kiva sells $2.2 million in gift certificates during the month of December, over $250,000 of which were sold December 24. December 2007
  • Kiva Loans top $10 million. August 2007
  • Kiva facilitates a record $3,827,400 of loans in one month. December 2008
  • November 2009 they reach 100 million in loans

The Goals

  • Kiva's mission is to connect people, through lending, for the sake of alleviating poverty
  • In order to achieve its goals, Kiva Microfunds is created to allow people to lend money via the Internet to microfinance institutions in developing countries around the world and in the United States, which in turn lend the money to small businesses.
  • how it works
1) It all starts with our Field Partners
2) The Field Partner uploads the entrepreneur’s profile to Kiva’s website.
3) Lenders like you browse the entrepreneurs’ profiles and choose someone
4) Kiva provides the funds to our Field Partners
5) Over time, the entrepreneur repays her loan
6) When lenders get their money back
, they can re-lend to another entrepreneur, donate their funds to Kiva (to cover operational expenses), or withdraw their funds to their PayPal accounts.

Where in the World

Countries they help
  • Uganda kiva_worldwide_map1.jpg
  • Norway
  • Samoa
  • Burundi
  • Sudan
  • Haiti
  • Peru
  • Vietnam
  • Ecuador
  • Tanzania
  • Liberia
  • US
  • Nigeria
  • Russia
  • Indonesia
  • India
  • Philippines
  • Rwanda
  • Ukraine
-and many more

Success Stories

Arum George

Location: Kisumu, Kenya
Amount Repaid: $600.00 of $600.00
George operates Community Pharmacy business selling mostly over the counter drugs. Despite being surrounded by stiff competitors and with the business being his only source of income, he went ahead to successfully apply and get a loan. He used the proceeds from his loan to purchase more drugs so as to boost his business.

With the pharmacy having almost all the drugs that are commonly used by the surrounding community, George has managed to deal with the stiff competition that was he was facing and have seen his sales going up earning her considerable interest. He uses the profits from his business for daily household expenditure, and hopes to be able to expand his business further in the future.

He is thankful to KMET and all the lenders for believing in him.


Location: , Lebanon
Amount Repaid: $600.00 of $1,200.00
I recently had the opportunity to visit Achraf, a Kiva borrower from Lebanon. Achraf has been running a dry cleaning business since 2008. When I entered Achraf's shop, I was both surprised and impressed at the size and professional appearance of the store. It is clear that there was great thought put into the layout of the store and it felt inviting with the store's large windows allowing Lebanon's beautiful sunlight to pour in. I thought the sound of machines humming quietly was almost melodic and soothing.
Achraf is an interesting borrower because of his previous work and educational experience. Although he is Lebanese, Achraf has been living outside of Lebanon most of his life. He completed his bachelor's degree in International Marketing in the U.S. Also, most of his business and social experiences have been in the United Arab Emirates; Achraf grew up in Abu Dhabi and most of his family still lives in Dubai. I was expecting to use my broken Arabic to ask Achraf questions, but was surprised when he responded in almost flawless English.

Achraf has always worked in the services sector. I could tell by his warm personality and charming smile that he is comfortable and talented at dealing with all types of customers. Achraf used his savings to open this store and he is planning to open another branch nearby in the next two months. I was interested to know why Achraf decided to take a (relatively small) Kiva loan for his business. He said that the Kiva loan (disbursed through Ameen) has a competitive interest rate and he finds the payment process at the local post office to be easy and fast. Achraf used his Kiva loan to purchase a used, high quality ironing board as well as a washing machine. In addition to his services, Achraf is also helping the local economy by hiring three employees.

In terms of his family, Achraf made it very clear that he expects to send his three children to university. It was really wonderful to speak with Achraf and our conversation made it clear that microfinance in Lebanon often includes a very different picture from the group-lending, women-focused, informal sector businesses that many people first think of. I hope that you will continue to support Kiva's Lebanon borrowers and invest in Ameen and its clients, like Achraf.

(This Kiva borrower was visited by Kiva Fellow, Nishita Roy, currently serving in Lebanon).

Project of Focus

Peru has much need due to the lack of many reasources. people are living in garbage dumps and farmers pigs get first choice of food before the people. according to the investigation 44.5% of the population is below the poverty line. there literacy rate is 88.7% which shows that they are capabl;e of more than they have, all they need is a start. In Peru, Kiva is currently funding people such as Juana who intends on opening a grocery store, Joel who is hoping to get into the agricultural business, Janneth who hopes to sell flowers, Maria Anita Maza Inga who intends to be in the animal sales business, there’s the Mujeres Positivas group that consists of ten retail entrepreneurs, the Santa Rosa group which consists of 19 textile entrepreneurs, and many more in Peru. There are many countries that Kiva assists in and Peru is just one. There are over 217 fundraising loans in South America alone, and approximately 1800 throughout the world. Kiva collects money from donors and sends it to these people in need. The people then start a business and gradually repay Kiva the money that they originally lent them. This is important because without donors there would be no money for these entrepreneurs and Kiva wouldn’t exist. Kiva is a great organization because they give people money for a reason that will help them in their future and cause the country to grow and give these people work and a flourishing business.

Project Product


Fun Facts

  • In 2008 a loan was made on kiva.org every thirty seconds
  • there youngest lender was age 1

  • there oldest lender was age 101
  • total value of all loans made to kiva -129,892,510
  • Kiva Loan descriptions are translated by over
    337 volunteers
    located across the globe, keeping new loans feeding to the website 24 hours a day