Kiva – Loans $25 to change lives

Kiva Microfunds is an organization that allows people to lend money via the Internet to microfinance institutions in developing countries which in turn lend the money to small businesses. It is a 501(c) non-profit organization headquartered in San Francisco, supported by donations from its users and through partnerships with businesses and other institutions.

Kiva’s mission is  to connect people through lending for the sake of alleviating poverty. Kiva is the world’s first person-to-person micro-lending website, empowering individuals to lend directly to unique entrepreneurs in the developing world.

Kiva allows microfinance institutions around the world, called “Field Partners“, to post profiles of qualified local entrepreneurs on its website. Lenders browse and choose an entrepreneur they wish to fund. How Kiva works? Kiva aggregates loan capital from individual lenders and transfers it to the appropriate Field Partners to disburse to the entrepreneur chosen by the lender. As the entrepreneurs repay their loans, the Field Partners remit funds back to Kiva. As the loan is repaid, the Kiva lenders can withdraw their principal or re-loan it to another entrepreneur.

Lenders’ funds are transferred to Kiva through PayPal, which does not collect its usual fees in this case. Field Partners generally charge interest from their borrowers, although Kiva claims to keep track of how much interest is charged and will not work with those charging unfair interest rates. Kiva lenders do not receive any interest because Kiva is not registered with the US Government as a broker. Kiva claims that its borrowers have a historical repayment rate of about 99.7%.

How to partecipate: LendHelp Kiva

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Source: WikipediaKiva

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Kiva Microfunds è un organizzazione  no – profit con sede a SanFransisco,  che permette a chiunque di prestare soldi via internet (a partire da 25 $) a istituti di microcredito nei paesi in via di sviluppo, che a loro volta li prestano ai piccoli imprenditori locali.

Kiva permette agli istituti di microcredito chiamati “Field Patners” di inviare i profili di qualificati imprenditori locali sul suo sito web.  Come funziona Kiva? Chi desidera prestare soldi cerca e sceglie l’imprenditore che vuole finanziare. Kiva raccoglie il capitale in prestito di tutti i finanziatori e lo trasferisce allo specifico istituto di microcredito affinché lo faccia pervenire all’imprenditore scelto dal finanziatore. Quando l’imprenditore ripaga il suo debito, il Field Patner restituisce il prestito a Kiva. I finanziatori possono scegliere se ritirare il denaro o prestarlo nuovamente per un altro imprenditore.

Gli investimenti dei finanziatori sono trasferiti a Kiva tramite PayPal che in questo caso non impone alcuna tassa. I finanziatori non percepiscono alcun interesse sul prestito poiché Kiva non è un broker. Statisticamente il 99.7% dei prestiti vengono ripagati.

Come partecipare: prestitoaltro tipo di aiuto

link: kromeblog

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