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Kiva

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http://www.kiva.org

Loans , Activism

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.

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weesh

weesh

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A powerhouse in the world of philanthropic micro finance.

I've been a user since January 2009 and am continually impressed with this model. The ability to help multiple people get fair loans with money put into the system is groundbreaking. For instance, I've put $1200 into the site, but I've used that money to make $3200 in loans to entrepreneurs in 78 different countries.

Kiva has an excellent track record and works hard to avoid partners that would make predatory loans. The default rate is currently just 1.27% for the whole site.

Loans are made in blocks of jsut $25 so it is easy to get on board and start helping people.

Note that you cannot make money from the site, because it turned out to be onerous to figure out every single county and regions laws. This is just to help other people, but you can withdraw your money easily after it has been repaid. The losses I've personally have have been above the site average, but still acceptably low for the results.

Kiva is open and honest with its practices and has excellent customer service. My emails to their staff have been answered promptly and professionally.

Additionally, the site is a hoot for numbers nerds and collectors. You are given many colorful charts to track your donations and recipients, and you can choose to make loans based on criteria to fill out checklists to collect all the industries or countries.

I'm a HUGE fan!

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