Help Center > Withdrawals How do I withdraw my funds? To request to withdraw funds from Kiva, please go to: kiva.org/withdraw



On this page, enter the amount you want to withdraw and the email address associated with your PayPal account (you will need to enter this email twice), then follow the prompts.



We'll process your request and the funds should be deposited into your PayPal account within 1-2 weeks. Kiva isn't able to deposit funds directly into a personal bank account, but from PayPal you can transfer funds to your bank.













Similar FAQs

Can I have a refund?



Help Center > How to apply How do I get a loan? Kiva is not a bank or microfinance institution, which means that most of the loans fundraising on our website were not provided by Kiva directly. Because we know that finding the right loan can be a challenging process here are a few options to consider:



If you’re an entrepreneur in the U.S. --



Kiva supports entrepreneurs in the U.S. with interest-free loans which are crowdfunded by lenders across the globe and are paid back over the course of a couple of months to a few years. Kiva U.S. loans can be as large as $10,000.



Rather than assessing credit history and financial statements, Kiva U.S. relies on trust networks as a measure of creditworthiness. For that reason, applicants are required to secure initial lenders from within their own network prior to fundraising on Kiva (and sometimes a Trustee as well). To learn more and apply for a loan please visit: kiva.org/borrow



Questions about applying for a U.S. loan can be sent here: borrowers@kiva.org



If you live in another country around the world --



Kiva partners with Field Partners in many countries around the world who may be able to make a loan to you. These loans vary in interest rates, loan amounts and requirements. To apply for a loan through a Field Partner, please contact them directly. A list of Kiva's Field Partners and their contact information can be found at: kiva.org/about/where-kiva-works



If you can’t find a partner near you please try the MIX Market, which is a great website that collects data on microfinance institutions around the world. Please refer to their website: mixmarket.org



Please note, MIX Market is an information service and doesn’t provide funding. Also note that Kiva does not have a say in which businesses are selected by our Field Partners. Contact each partner directly for more information on loan requirements and underwriting guidelines. Similar FAQs

I know someone who needs a loan. How do they apply?

I live in the U.S., how do I get a loan?

What do “Average Cost to Borrower” and “PY” mean?



Help Center > Account settings How do I unsubscribe from Kiva's email lists or change my email settings? You can edit your email preferences with Kiva by signing into your account and going to: kiva.org/settings/email



Please note that as long as you have a Kiva account, you will receive some emails from Kiva, as we are legally required to send you information about your account status and activity every so often. Otherwise, you can pick and choose which emails you receive.



Help Center > Balance & activity How do I view my transaction history? You can see a record of all your transactions on Kiva by clicking "Transaction history" on the left side of your Portfolio page or directly at this link: kiva.org/portfolio/transactions



This page will allow you to check on all of your past deposits, purchases, repayments or withdrawals.



Help Center > Making a loan How do I lend the credit in my account? To lend your Kiva credit, please follow these steps:



1. Go to kiva.org/login and sign into your account.

2. Click "Lend" and find a borrower to support. Then click "Lend $25" to add that loan to your basket.

3. Add additional loans to your basket or click "Checkout now".

4. On the basket page you'll see your loans, and be asked to make an optional donation to Kiva. You can edit the suggested donation by clicking the pencil icon next to the amount and changing how much you want to donate ($0 is an option). Click "Update" to save your changes.

5. You'll see your available Kiva credit automatically deducted from your total at the bottom of the page. Review your transaction and click the blue button at the bottom to confirm your purchase. If your total exceeds the credit in your account, your credit will be deducted from your total first and you will then be directed to PayPal to pay for the remainder of your purchase with funds from a credit card or PayPal account.



Upon completion of your purchase you will see an order confirmation page as well as receive an emailed receipt.

Similar FAQs

How do I lend on Kiva?

How do I purchase a Kiva Card using Kiva credit?

Why is it hard to track if a post-disbursed loan is dependent on Kiva lender funding?



Help Center > Making a loan Do I have to donate to Kiva's operating expenses? Donations to Kiva's operating expenses are always optional, although vital to what we do.



100% of every dollar lent on Kiva goes toward funding loans and we never take a cut -- instead, we support our operations through donations from our lender community. While a donation is automatically suggested during checkout, you can always opt out on the Basket page by clicking the pencil icon next to the donation amount and then the "No donation to Kiva" link.

Similar FAQs

How do I edit a donation on the mobile app?



Help Center > Making a loan How do I lend on Kiva? You can lend on Kiva by following these steps:



1. Go to kiva.org/login and sign into your account or create a Kiva account.

2. Click "Lend" and find a borrower to support. Then click "Lend $25" to add that loan to your basket.

3. Add additional loans to your basket or click "Basket" to check out.

4. On the basket page you'll see your loans, and be asked to make an optional donation to Kiva. You can edit the suggested donation by clicking the pencil icon next to the amount and entering how much you want to donate ($0 is an option). Click "Update" to save your changes.

5. You'll either see your available Kiva credit automatically deducted from your total (if you have credit), or you'll see options to pay using a credit card or PayPal account. Click the blue button at the bottom of the page to confirm your purchase.



Upon completion of your purchase you will be directed to an order confirmation page as well as receive an emailed receipt.

Similar FAQs

How do I lend the credit in my account?

How do I purchase a Kiva Card using Kiva credit?

How do I redeem a Kiva Card?



Help Center > Account details Can I combine or merge Kiva accounts? At the moment we're unfortunately not able to move loans from one Kiva account to another, or combine 2 accounts. The best ways to combine accounts is to either purchase a Kiva Card, which you can redeem from the account you'd like to lend from going forward, or withdraw your funds and deposit the balance into that account.



Help Center > Other resources I'm having trouble using Kiva's website. Can you help me troubleshoot? Hopefully some quick browser adjustments will resolve this issue. Here are a few troubleshooting tips which may help:



-Clearing your browser cache and deleting your cookies

-Using a private browser or "incognito mode"

-Using a different browser or upgrading your browser to the most current version

-Enabling cookies

-Changing your browser's security settings to allow Kiva as a trusted site

-Checking to ensure you don't have any browser plugins (such as ad blockers) that may be conflicting with kiva.org



If the problem continues, please let us know.

Help Center > Account details How do I close my Kiva account? To close your Kiva account, please go to: kiva.org/settings



Under the "Account termination" section at the bottom of the page, you'll see an option to close your account. Please note, if you have available credit or outstanding loans, you will need to either withdraw those funds or allow them to be donated to Kiva before closing your account. Once your account is closed, this is irreversible and you won't be able to access your past lending activity.



Help Center > How to apply How can my organization become a Field Partner? The best place to learn about our criteria for Field Partners is on our website here: kiva.org/partners/info



In order to apply for partnership, an organization must at minimum:



--Display a strong commitment to serving the needs of poor, vulnerable, and/or excluded populations.

--Operate an existing lending program with portfolio quality that is in line with market context and industry standards, or be prepared and legally able to set up a lending program.

--Provide a specific proposal for using Kiva’s capital to fund loans with a) high social or environmental impact, and b) pricing that is in line with market context and industry standards.

--Be able to post at least $50,000 USD in loans in the first 12 months on the Kiva website, with capacity to grow in subsequent years.

--Have assets or operating revenues of at least $100,000 USD.

--Be able to legally accept and repay US Dollar debt capital and manage currency risk.

--Be legally registered in its country of operation.



On the above page, there is a Partnership Inquiry Form that can be used to start a conversation with our team. If our field staff is interested in learning more, they will respond and request further documentation. Similar FAQs

How does Kiva choose its Field Partners?

Why is it hard to track if a post-disbursed loan is dependent on Kiva lender funding?

How does Kiva’s repayment system work?



Help Center > Repayments Can I forgive a loan or request that a borrower not have to repay? While offers to forgive loans are very generous, Kiva's lending process is designed to accommodate loans and not donations. This means that all funding requests posted to Kiva are considered loans, and there unfortunately isn't a way to request that a borrower not repay your portion of the loan they received.



Our hope is that once you've been repaid you'll recycle your credit to make even more loans on Kiva -- helping reach even more borrowers around the world. Similar FAQs

Can I donate funds instead of lending funds to a borrower?



Help Center > Redeeming a Kiva Card How do I redeem a Kiva Card? To use your Kiva Card, go to: kiva.org/redeem



On this page you'll see a box where you can enter the card's gift code and click "Apply." Once you've entered the code, click the blue "Get Started, Find a Loan" button to find a list of all loans in need of support. When you find a loan that interests you, add it to your basket by clicking the blue "Lend $25" button. When you're ready to checkout click "Basket" at the top of the page. This will begin the checkout process.



In order to use a Kiva Card you will need to sign up for a Kiva account if you don't already have one. Please also note that if your total exceeds the amount on your Kiva Card, you'll be directed to PayPal to pay for the difference between the total due and the amount of your Kiva Card. Upon completion of your purchase you will be directed to an order confirmation page on Kiva's website. You will also receive an emailed receipt for your purchase. Similar FAQs

How do I purchase a Kiva Card using Kiva credit?

How do I lend the credit in my account?

Why is it hard to track if a post-disbursed loan is dependent on Kiva lender funding?



Help Center > Lending amounts Can I lend less than $25? Although we divide loans into $25 amounts and the minimum amount that you can contribute to a loan is $25, you can still make a loan if you have less than $25 of Kiva credit in your account. When you select a loan to support and proceed through the check out process, we'll automatically deduct the Kiva credit in your account from the amount of your purchase. You can then pay for the remainder of your loan with funds from a credit card or PayPal account.



That said, Kiva is still weighing the value of alternative loan amounts, and feedback like yours is helpful for our team to consider while evaluating a change like this. Similar FAQs

How do I lend the credit in my account?

What is borrower verification?



Help Center > Account settings How do I change the email address registered with my account? To change the email address associated with your Kiva account, please sign into your account and go to: kiva.org/settings/account



Enter your new email address (and current password) in the fields provided and click "Update email" to save.



Clicking this button will send you a verification email. As a final step in this process, you'll need to click the link in that email to successfully update your account email.



Help Center > Free credit How do I redeem free credit I've earned? If you have free credit, it should automatically be applied to the next loan you make. Sign into your Kiva account, click "Lend my free credit" at the top of the page, choose a loan and proceed through the checkout process.



Please note that free credit cannot be applied to direct loans, loans with repayment terms over 21 months, or loans from Field Partners with risk ratings below 3 stars. You’ll be able to see if a loan is eligible on both the loan profile and in your basket. To find loans that are eligible using free credit, you can also use this link: kiva.org/lend/bonusEligibleLoans Similar FAQs

Can I forgive a loan or request a deferral on repayments for a borrower due to COVID-19?



Help Center > Delinquency & default What does it mean that my loan is delinquent? Loans can become delinquent if either the borrower or Field Partner falls behind on making repayments according to the repayment schedule that was set when the loan was posted to Kiva. If you click on the "Repayment Schedule" link on a loan profile and then "Show advanced", you'll be able to see further explanation for why the loan is delinquent.



If a loan is marked as delinquent, this means that Kiva still expects repayments to be made on the loan. In the case of a borrower's delinquency, you can assume that the Field Partner is working with the borrower to reschedule the loan term, if necessary, to try to recover eventual repayment of the loan. If the delinquency is due to a Field Partner being late in repaying Kiva lenders, you can assume that a member of the Kiva team is following up with the partner to work on recovering the amount owed to lenders.



If Kiva or the Field Partner determines the collection of funds is doubtful, the loan will be marked as defaulted and you'll be notified by email. Until then, we will continue making efforts to recover lender funds. Similar FAQs

How does Kiva aim to reach people not being served by traditional banks?

What do “Average Cost to Borrower” and “PY” mean?

How does the money for the loan get to each borrower?



Help Center > How to apply I live in the U.S., how do I get a loan? If you're a small business owner in the United States you may be interested in learning more about our direct lending program, Kiva U.S. Kiva U.S. supports entrepreneurs in the United States with interest-free loans for their businesses. These loans are crowdfunded by lenders across the world and are repaid over the course of a few months to a few years. Kiva U.S. loans can be as large as $15,000 (depending on the applicant's qualifications).



Rather than exclusively relying on credit history and past financial statements, Kiva U.S. relies on the borrowers' trust networks to measure creditworthiness. For this reason, applicants are required to secure their initial lenders from within their own network prior to fundraising on the Kiva website. They may also be required to recruit a Trustee to vouch for them.



To learn more and apply for a loan, please visit: kiva.org/borrow If you have further questions about applying for a loan through Kiva U.S. please email the U.S. team at: borrowers@kiva.org

Similar FAQs

How do I get a loan?

I know someone who needs a loan. How do they apply?

What do “Average Cost to Borrower” and “PY” mean?



Help Center > Kiva Card basics What are Kiva Cards and how do they work? A Kiva Card is a gift that combines the ability to make both a loan and a donation to Kiva. When you give a Kiva Card, you give someone else the chance to make a loan to a borrower who inspires them. When their loan is repaid, they can use those funds again and again to make even more loans on Kiva. If the recipient does not use their Kiva Card within 12 months of the purchase date the funds are automatically converted into a donation to Kiva's operating expenses.



To learn more about Kiva Cards, please visit: kiva.org/gifts/kiva-cards Similar FAQs

My Kiva Card converted into a donation, can you change it back so I can use it for loans?



Help Center > Printing & delivery How do I print or view the Kiva Cards I purchased? You can print or view your Kiva Cards anytime before the gift has been redeemed by going to: kiva.org/portfolio/kiva-cards



This page will list all the Kiva Cards you've purchased as well as their redemption status. Next to each unredeemed Kiva Card, you'll see a link to print. When the gift has been redeemed, the name of the redeemer will appear next to the code.



Help Center > Signing in I forgot my password. How do I change it? You can reset your Kiva password by going to kiva.org/login and clicking the "Forgot your password?" link.



Enter your email address and we'll send you instructions for how to reset your password. Please be sure to change your password as soon as possible, as this link will expire within a few hours for security purposes.



Help Center > Payment options Can I make a loan by paying with a check rather than a credit card? If you're unable to use PayPal you're welcome to add credit to your Kiva account via check. To do so, please follow these steps:



1. Create a Kiva account if you don't already have one.

2. Write your check payable to "Kiva User Funds LLC"

3. To ensure the funds are deposited into the correct account, please write the email address associated with your Kiva account on the back of the check.



Note how much you'd like to be credited to your account for lending, as well as how much should be donated to Kiva's operating expenses should you wish to donate (we typically suggest a donation of 5-10% to help cover the administrative costs associated with check processing).



4. Mail the check to:



Kiva User Funds LLC

Attn: Finance Department

986 Mission St, 4th FloorSan Francisco, CA 94104

Once your check has been processed (which can take up to six weeks as our office is currently working remote due to COVID) we'll credit your account and notify you by email. You can then sign into your Kiva account and use the credit in your account for lending. Similar FAQs

How do I purchase a Kiva Card using Kiva credit?

Why are there no loans matching my area of interest?

What do “Average Cost to Borrower” and “PY” mean?



Help Center > Balance & activity How can I get a tax receipt for my donations? To print a tax receipt for your donations to Kiva, please sign into your account and go to: kiva.org/portfolio/donations



This page displays a list of all donations you've made to Kiva's operating expenses and also gives you the option to download receipts according to the tax year.



Help Center > How to apply I know someone who needs a loan. How do they apply? Kiva is not a bank or microfinance institution, which means that most of the loans fundraising on our website were not provided by Kiva directly. Because we know that finding the right loan can be a challenging process, here are a few options for your friend to consider:



If they're an entrepreneur in the U.S.:



Kiva supports entrepreneurs in the U.S. with interest-free loans which are crowdfunded by lenders across the globe and are paid back over the course of a couple of months to a few years. Kiva U.S. loans can be as large as $10,000. Rather than assessing credit history and financial statements, Kiva U.S. relies on trust networks as a measure of creditworthiness. For that reason, applicants are required to secure a Trustee or initial lenders from within their own network prior to fundraising on Kiva. To learn more, please have your friend visit and apply at: borrow.kiva.org



Questions about applying for a U.S. loan can be sent here: borrowers@kiva.org



If they live in another country around the world:



Outside of the U.S. Kiva partners with Field Partners in many countries around the world who may be able to make a loan to your friend. These loans vary in interest rates, loan amounts and requirements. To apply for a loan through a Field Partner, your friend would need to contact them directly. A list of Kiva's Field Partners and their contact information can be found at: kiva.org/about/where-kiva-works



If your friend can't find a partner near them please have them try the MIX Market, which is a great website that collects data on microfinance institutions around the world: mixmarket.org



Please note, MIX Market is an information service and doesn't provide funding. Also note that Kiva does not have a say in which businesses are selected by our Field Partners. Have them contact each partner directly for more information on loan requirements and underwriting guidelines.

Similar FAQs

How do I get a loan?

I live in the U.S., how do I get a loan?

What do “Average Cost to Borrower” and “APR” mean?



Help Center > Balance & activity How can I view the loans in my portfolio? You can review the loans in your portfolio at any time by signing into your Kiva account and clicking "My Loans", or by going to: kiva.org/portfolio/loans



Help Center > Availability of loans Why are there no loans matching my area of interest? At Kiva we rely on our Field Partners to upload loans to the website. Sometimes the demand for specific loans outpaces our partners' ability to upload these loans. Additionally, many partners are currently unable to post loans due to restrictions in place to prevent the spread of COVID-19.



This may be the reason you are not seeing the specific type of loans that you're looking for. To respond to the COVID-19 crisis, we have created a loan category for borrowers whose businesses have been impacted by the pandemic. You can find these loans here: https://www.kiva.org/lend-by-category/covid-19



In that category, you’ll see loans to Field Partners whose operations are impacted by the pandemic. These Crisis Support Loans are a great way to extend support to the organizations who normally administer loans to borrowers to help them continue to provide loans during and after the crisis.



If you wish to support borrowers impacted by COVID-19 as they become available, you can also make a one-time or reoccurring contribution to the COVID-19 Response Fund here: https://www.kiva.org/covid19response



Please note, when you contribute to the COVID-19 Response Fund, at this time there is not a way to further specify loan characteristics (such as location or business type) within this category.



If you prefer to wait for a particular type of loan to become available, Kiva allows you to save searches and be notified when new loans matching your search criteria become available on the website.



To sign up for these alerts, you'll first need to sign in and save a search for that criteria. To do so, please go to: kiva.org/lend and use the search filters to find loans matching your preferences (using either the keyword search at the top of the page, or "Filters" on the left).



When you're done click "Save this search" at the top of the page. A pop-up will appear where you can opt into receiving emails when loans within that search are posted.



To manage your saved searches and email alerts later, just go to: kiva.org/lend/saved-search or use the drop-down menu on the "Lend" tab and click "Saved searches" under "My Kiva". If you can't find loans matching your preferences please continue to check back as new loans are posted every day.

Similar FAQs

Can you alert me when a particular type of loan becomes available?

What do “Average Cost to Borrower” and “PY” mean?

How does Kiva ensure that loans aren't over-indebting borrowers?



Help Center > Balance & activity How do I donate my credit to Kiva? You can donate your credit to Kiva's operating expenses by signing into your Kiva account and going to: kiva.org/donate



On this page, you have the option of making either a one-time gift or a monthly donation. Select the option you prefer, then select the amount you'd like to donate. When you've made your selections, click "Donate" to add this donation to your basket.



Review your order and click the blue "Continue" button to complete your donation. You'll receive an email notification letting you know that your donation to Kiva was completed successfully. Please keep this email for your tax records or go to: kiva.org/portfolio/donations to print an official tax receipt.



Thanks for your support of Kiva!

Similar FAQs

1) Scheduling an offsite BV

I know someone who needs a loan. How do they apply?

How does Kiva measure impact?



Help Center > Printing & delivery Can I change the recipient information or delivery method of a Kiva Card after it's been purchased? Unfortunately it isn't possible to change any details associated with your Kiva Card after it's been purchased. However, all the recipient needs to redeem their gift is the 16 digit code. You can find the code for any Kiva Card you've purchased by signing into your account and clicking "Purchased Kiva Cards" at the left of your Portfolio, or by going to: kiva.org/portfolio/kiva-cards



Alternatively, we can cancel this Kiva Card for you and return the funds to your account as available credit, which you can then use to purchase another Kiva Card with the correct information.



Help Center > Kiva's Response to COVID-19 Can I forgive a loan or request a deferral on repayments for a borrower due to COVID-19? Your concern for borrowers is truly appreciated. While offers to forgive loans are very generous, Kiva's lending process and that of the Field Partners that facilitate loans are designed to accommodate loans and not donations. This means that all funding requests posted to Kiva are considered loans, and there unfortunately isn't a way to request that a borrower not repay your portion of the loan they received.

However, our Field Partners are working to address the current economic crisis with their borrowers. Kiva’s risk-tolerant capital grants Field Partners greater flexibility in rescheduling repayments and offering more impactful loan products during this time.

For example, some Field Partners have begun to provide loans with a grace period on repayment, and to help borrowers refinance loans. Through the loan disbursement and collection process, our Field Partners remain deeply committed to client protection.



While we are not able to defer repayments for individual borrowers, we do anticipate continued delays in repayment over the next few months and will stand by partners and borrowers during this time. Our hope is that lenders will choose to recycle repayments to continue helping more borrowers around the world during this crisis.

Kiva is also developing new loan products that are designed to support borrowers and Field Partners through the COVID-19 pandemic, such as the Global COVID-19 Response fund, and Crisis Support Loans. You can learn more here: https://www.kiva.org/blog/introducing-crisis-support-loans-how-we-can-support-our-field-partners



Similar FAQs

What do “Average Cost to Borrower” and “PY” mean?

What is Kiva's international response to COVID-19?

What type of monitoring does Kiva do with its Field Partners?



Help Center > Monthly Good How do I cancel or edit my Monthly Good contribution? Monthly Good can be canceled or edited at any time by going to: kiva.org/settings/credit

Help Center > Repayments How will I receive repayments? Repayments on your loans are returned to your Kiva account's available credit. By default, you'll receive a monthly notification of your repayments. You can also track all your transactions, including repayments, in your portfolio's transaction history: kiva.org/portfolio/transactions



Once you've been repaid you can relend, donate, or withdraw the repayments made to your account.

Help Center > Auto lending Can Kiva relend my Kiva credit for me? While we can't make specific loans on your behalf, Kiva does have a feature called auto-lending which will automatically relend the credit in your account according to lending preferences you set up.



To turn on auto-lending, please sign into your Kiva account and go to: kiva.org/settings/credit



Check the box next to "Automatically lend my Kiva credit" to see a list of options.



Once you've selected your auto-lending preferences, click the "Save auto-lending settings" button at the bottom of the page to turn on auto-lending.

Similar FAQs

What is auto-lending?



Help Center > PayPal Why isn't PayPal accepting my credit card? / Payment denied PayPal provides Kiva with free payment processing on all transactions, which means that regardless of whether you pay using a PayPal account or credit card, Kiva unfortunately can’t do anything directly to solve payment problems or tell you why the issue is happening.



However, some of the reasons a card would get declined are:



--Funding source issues (expired credit card, insufficient funds, spending limits, issuer/processor decline, and risk declines

--Address mismatch

--Exceeded guest checkout limits (15 transactions with the same card or $4k in transactions)

To troubleshoot this issue, it can help to try using a different browser or clearing your current browser’s cache and cookies before trying again. You can also try using a different credit card.



If you’re still having trouble, please give PayPal's customer service team a call at 888-445-5032 (Toll Free US) or 402-952-8811 (International). They may have more insight into what is going on. Similar FAQs

Why isn't PayPal accepting my lender's credit card?

Why are there no loans matching my area of interest?

How does Kiva aim to reach people not being served by traditional banks?



Help Center > Withdrawals Why does it take so long for my withdrawal to complete? Completing withdrawals via PayPal is a manual process, and as such takes longer than accepting funds. Kiva needs to manually compile all withdrawal requests, review them, and then send them to PayPal for processing.



Depending on our capacity we try to process withdrawals once a week, meaning you'll most likely see these funds in your PayPal account this coming Friday. From time to time, however, withdrawal processing can be delayed (which is why the confirmation email you should have received said it can take 1-2 weeks).



Once Kiva sends withdrawn funds to PayPal, you should be able to access them immediately. Similar FAQs

What do “Average Cost to Borrower” and “PY” mean?



Help Center > Free credit How does my free credit differ from Kiva credit? Any free credit you receive is funded by a sponsor and can only be used to make loans. Unlike Kiva credit, free credit typically has an expiration date and cannot be withdrawn or donated to Kiva's operating expenses. Repayments on loans made using free credit are returned to the sponsor rather than you as the lender.



Help Center > How lending works Can I donate funds instead of lending funds to a borrower? While offers to forgive loans are very generous, Kiva's lending process is designed to accommodate loans and not donations. This means that all funding requests posted to Kiva are considered loans, and there unfortunately isn't a way to request that a borrower not repay your portion of the loan they received.



Our hope is that once you've been repaid you'll recycle your credit toward other loans on Kiva -- helping reach even more borrowers around the world. Similar FAQs

Can I forgive a loan or request that a borrower not have to repay?



Help Center > PayPal I want to use my credit card but am directed to PayPal's site to pay. What do I do? We recently added direct credit card processing through Braintree, which makes it easy to pay with your credit card. At checkout, please look for the "Pay by card" tab next to the PayPal login screen to enter your credit card details directly.



Help Center > Other resources How can I request a Kiva speaker for an event? While we greatly appreciate invitations to speak at events, please know that we are only able to accept a small number of requests due to our limited staff. However, if you fill out the following details, we'll do our best to find someone who can attend, either in person or by video call:

Event Name: Local Date of Event: Local Time of Event: Street: City: State: Zip/Postal Code: Country: Number of Expected Attendees: Speaking Topic: Will an honorarium be provided?: If so, how much is the honorarium? (USD): Will you be covering travel and accommodation expenses?: Additional Comments: Contact Information First Name: Last Name: Title: Organization/ School Name: Phone: Email:

Please note as well that Kiva is headquartered in San Francisco. As a small nonprofit, we do not have a travel budget for speaking engagements and therefore request that all travel costs be reimbursed for events outside of the Bay Area. That said, it is possible we can find someone closer to you (for example, a former Kiva fellow who now lives in your area).





Similar FAQs

Why are your Field Partners' interest rates so high?

1) Scheduling an offsite BV

Why do your Field Partners in Mexico have such a high cost to borrowers?



Help Center > Repayments Why didn't I receive repayments on a loan made using free credit? Free credit is designed to allow you to make a one-time loan of your choice. Because this credit is funded by our generous partners and is meant to be recycled to support many other Kiva campaigns, all repayments on these loans are returned to Kiva, rather than to you as a lender.



Help Center > How lending works Can you cancel or refund my loan purchase? Once you've completed your loan purchase, we unfortunately aren't able to issue a refund or cancel the loan (please see our Terms of Use: kiva.org/legal/terms).



However, if the loan expires before becoming fully funded, a refund will automatically be credited back to your Kiva account. Otherwise, you will likely receive repayments according to the loan's repayment schedule.



Help Center > Other resources Can you provide me with information for my original academic research project? Unfortunately, Kiva is usually unable to fulfill specific research requests. However, we encourage you to fill out our research request form, and someone may get back to you if your request is possible: https://docs.google.com/forms/d/1n7sUZDgQTLaDsDVzUOuFNm-kT8bjo3kB93fLvq5QqnY/viewform?edit_requested=true







Additionally, here are a few pages of our site that may provide useful information for your research:

--kiva.org/about

--kiva.org/labs

--cgap.org

--mftransparency.org

--mixmarket.org



Many researchers have also found our API to be a valuable resource. You can learn more about what information is available via our API at: kiva.org/build



Lastly, students and educators have also found the Kiva U resources and materials helpful as they look to incorporate Kiva into their academic programs and studies. For more information, check out: KivaU.org



Thank you for your interest in including Kiva in your study, and it would be great to hear what results you eventually find through your research. Please feel free to send us a link to your published article.











Similar FAQs

Does Kiva earn interest on lenders' funds?

What do “Average Cost to Borrower” and “PY” mean?

1) Scheduling an offsite BV - Portuguese



Help Center > Jobs & volunteering Does Kiva have any open positions? We appreciate your interest in working at Kiva! You can browse all open positions here: kiva.org/jobs



Help Center > Inviting friends Can I contact the borrower? Unfortunately, Kiva and its Field Partners are unable to facilitate direct communication between lenders and borrowers at this time. However, if there is an update on a loan you can post a comment in response for the Field Partner to see.



If being able to communicate with borrowers interests you, we recommend checking out Kiva's direct lending program in the United States. One of the features of direct loans is that they allow borrowers and lenders to communicate more directly through lender comments. You can view currently fundraising U.S. loans here: https://www.kiva.org/lend/kiva-u-s Similar FAQs

What is Kiva's international response to COVID-19?

What do “Average Cost to Borrower” and “PY” mean?



Help Center > Withdrawals Can I withdraw funds to my credit card or bank account? Because PayPal processes all of Kiva's online financial transactions, our standard process is to withdraw funds from your Kiva account to your PayPal account. Kiva is unfortunately unable to transfer the funds to your bank account directly; however, once the funds are returned to PayPal you can then transfer them into your bank account.



If you do not have a PayPal account, please create one PayPal account at: paypal.com



For questions about setting up a PayPal account, please visit PayPal's help center (paypal.com/help) or contact their customer team at 888-445-5032 (Toll Free US) or 402-952-8811 (International). Similar FAQs





Help Center > Delinquency & default What happens if a loan defaults? In microfinance, it's common to try and reschedule delinquent loans in order to accommodate eventual repayment of the loan. However, despite these efforts to be flexible a loan will sometimes end in default. At Kiva, default (non-repayment) happens when:



1. Kiva determines that collection of funds from a borrower or Field Partner is doubtful, or:

2. The cumulative amount repaid as of our quarterly reconciliation process is less than what was expected as of 180 days prior, and when there have been no repayments reported to Kiva during this time.



When a loan is defaulted, we notify all contributing lenders by email and these lenders can consider the remaining amount outstanding as a loss. Similar FAQs

Field Partner's default rate

What do “Average Cost to Borrower” and “N/A” mean?

How does Kiva’s repayment system work?



Help Center > Availability of loans Why are there no Field Partners or borrowers in country X? Kiva works with Field Partners in over 95 countries and this number is growing as our staff finds and approves new partnerships. We hope to eventually work in every country, but must also grow at a pace that's healthy for both our current partners and for Kiva. A complete list of our partners and where they work can be found at: kiva.org/about/where-kiva-works



Help Center > PayPal How do I update my credit card information? Thanks so much for reaching out. At Kiva, we don't handle any lender financial information on payments made through PayPal. Instead, PayPal provides us with free payment processing on all online transactions. This means that if you use a credit card via PayPal Guest Checkout or a PayPal account to make loans on Kiva, PayPal will process your payment and send you a receipt. If you're paying with a PayPal account, you will need to update the credit card associated with the account by logging into PayPal before going to Kiva and adding the new card details in the "Bank and cards" section of your account.



If you have any trouble with your PayPal account, please visit their website at paypal.com/help or contact their customer service team at 888-445-5032 (Toll Free US) or 402-952-8811 (International) / Monday through Friday / 8AM-5PM CST.



If you choose the "Pay with card" option at checkout, you can enter your new credit card details, and there is an option to save your card. If you need that payment option removed from your account, we'd be happy to take care of that for you.





Similar FAQs

What do “Average Cost to Borrower” and “APR” mean?

What do “Average Cost to Borrower” and “MPR” mean?

Why isn't PayPal accepting my credit card? / Payment denied



Help Center > Auto lending How do I turn on auto-lending? To turn on auto-lending, sign into your Kiva account and go to: kiva.org/settings/autolending



Click "Automatically lend my Kiva credit" and use the options to select your lending preferences, then click "Save".

Help Center > Repayments Repayment email: why does the repayment email not match my available Kiva credit? The monthly repayment email is a summary of all repayments you received in the previous month, similar to a bank statement. If you regularly lend your repayments or withdraw your Kiva credit, it's likely that your current balance may not match the full amount of your repayments in a given month. If you'd like to receive more timely updates on repayments, please visit kiva.org/settings/email and choose one of the options under "Repayment notifications."



Help Center > Glossary Repayment schedule A loan's repayment schedule describes the frequency with which repayments are sent to Kiva lenders:



Monthly: One repayment made per month

End of term: One repayment made at the end of the loan term

Irregular: Any other repayment schedule

To see a detailed repayment schedule for a specific loan, click the "Repayment schedule" link on the loan profile under "Loan details."

Help Center > Printing & delivery Where is my Kiva Card? Kiva Cards take 7-10 business days to be shipped after being ordered. We unfortunately do not have tracking available but if you ordered your Kiva Card more than 10 business days ago, please email contactus@kiva.org and we can request a re-shipment of your Kiva Card.

Help Center > Auto lending How do I turn off auto-lending? To turn off auto-lending, sign into your Kiva account and go to: kiva.org/settings/autolending



Then, you will need to update "Auto-lending status" to "Off" and click "Save" before exiting out of this screen.

Help Center > Borrowers Why was my loan application rejected? Or why was I not approved for a loan? Kiva's direct loan program is very competitive, and we’re unfortunately not able to accept every application that is received. While we’re not able to disclose specific information on the internal review process, we can assure you that our team reviews each application closely based on our minimum requirements. If you have further questions about the application process, please feel free to review our application guidelines here: kiva.org/borrow

Help Center > Borrower Verifications & Spot Checks 1) Scheduling an offsite BV [NOTE TO SENDER: CC IM ON THIS EMAIL]











I hope all is well at [PARTNER NAME]!











It is now time for us to conduct your next Kiva Borrower Verification (BV). A BV is part of the regular operational monitoring that we conduct every 12 to 24 months with all of our Field Partners. The purpose is to confirm the accuracy of information published to the Kiva platform and verify compliance with our policies.











In order to be most efficient for you and Kiva, we will do the Borrower Verification process remotely, meaning we will not actually visit the clients on site. As we also do with on site Borrower Verifications, we will select a sample of [5 OR 10] borrowers randomly and ask you to provide relevant documentation for these borrowers such as MIS reports, Client Waivers and loan contracts.











For remote Borrower Verifications, it is necessary that we receive all of the requested information within 48 hours of our request. I want to choose a suitable date to send you the sample.











Is [INSERT DATE HERE] acceptable for you? This means we would need the information to be returned to us by [INSERT DATE TWO DAYS LATER HERE].











So you’re aware of what to expect of this process moving forward:









On the pre-selected date, I will send you an email with the list of borrowers and the relevant information you will need to submit for each borrower within two business days.











Once the requested documents have been received, I will review them, follow-up with any questions and submit a report for your Investment Manager to review.











Your Investment Manager will review my report and communicate your final results to you, including any corrections or improvements that need to be made to your Kiva processes in order to remain compliant with Kiva's policies.









For more information on Borrower Verifications, refer to this article in the PA2 Help Center.











The BV is an important part of being a Kiva partner, so we thank you in advance for your cooperation throughout this process! Please confirm that the proposed date will work for you or not by [INSERT DEADLINE]. Let me know if you have any questions; I look forward to hearing back from you.









Similar FAQs

1) Scheduling an offsite BV - Portuguese

What type of monitoring does Kiva do with its Field Partners?

Why are your Field Partners' interest rates so high?



Help Center > Interest rates Why are your Field Partners' interest rates so high? We often get questions about the interest and fees charged by our Field Partners, as the rates on Kiva are often higher than what lenders are used to seeing. The average interest rate charged by a partner is noted in the "Average Cost to Borrower" field on a loan profile. At Kiva we believe sustainability is critical to reaching more families and communities around the world, and charging interest to borrowers allows our Field Partners to cover the high operational costs of microfinance.



As only some partners pay a small fee for using Kiva as a platform for fundraising, Kiva loans provide our partners with the flexibility to reach more communities -- especially rural and/or underserved populations. Most Kiva Field Partners do charge interest in some form; however Kiva will not partner with an organization that charges unreasonable interest rates and we require our partners to fully disclose their rates. In addition, Kiva only partners with microfinance institutions and other organizations with a social mission to serve the poor, unbanked and underserved.



A couple of things to consider when thinking about interest rates:



1. Because many of our partners serve rural communities, the labor of distributing and collecting loan payments can add to their operating expenses



2. Comparisons of interest rates in developed countries with those in developing countries can be misleading. A developed banking system can provide funds at lower rates, and when a bank facilitates larger loans its transactional expenses are reduced. Microfinance is an expensive business, which is part of the reason why big banks don't provide small loans in the first place.



3. Developing countries typically have high inflation rates which need to be factored into a partner's interest rates. For example, an interest rate of 13% per year in a country where the inflation rate was 15% per year would not cover costs.



We also list our Field Partners' return on assets (ROA) on their partner pages (kiva.org/partners) so lenders can see how much money the partner is making based off the loans they're providing. ROA is a measure of profitability, and our partners currently average a negative ROA. Similar FAQs

How does Kiva ensure that loans aren't over-indebting borrowers?

Do Kiva borrowers pay any interest on their loans?

Does Kiva charge interest?



Help Center > Auto lending How do I set preferences for loans made through auto-lending? To set your auto-lending preferences go to: kiva.org/settings/credit



Under "Auto-lending settings" click "Automatically lend my Kiva credit." You'll then see options for keyword, countries, sectors, partners, risk rating, repayment term, and gender.



Please note that Kiva's system gives precedence to active lending. The amount of loans being made through auto-lending, then, depends on the supply of fundraising loans and demand from active lenders. This also means that for popular or very specific kinds of loans, there's a chance those loans will be fully funded before your auto-lending kicks in.



Our system also takes recent lending activity into account when selecting which account to auto-lend from, using funds from accounts that have been inactive for longer first. This means that if you're actively lending to other borrowers, other accounts with similar auto-lending preferences that have been inactive longer will be used first. That said, your credit should eventually be lent out according to your preferences. Similar FAQs

How does auto-lending work?

Why is it hard to track if a post-disbursed loan is dependent on Kiva lender funding?

Does Kiva earn interest on lenders' funds?



Help Center > Payment options Can I make a loan in a currency besides the US dollar? Kiva's working currency is the US dollar, so all loans on Kiva are posted in USD. If you live outside of the United States you can pay using your local currency, but your funds will be changed to USD before being sent to Kiva. We hope to one day internationalize our site, but until then all lending will occur in US dollars. Our direct credit card processor also supports a number of foreign currencies, and the free and exchange rate for these charges will depend on your bank card. If you use PayPal, they may charge a small conversion fee.

Help Center > Saved search & favorites How do I save a search? To save a search, start by logging into your Kiva account and then going to kiva.org/lend. Use the filters to find loans aligned with your preferences and click "Save this search" at the top of the results. You'll see light box where you can save that search and opt into receiving emails when new loans matching that search become available. Click "Create Saved Search" to save.

To manage your saved searches and email updates in the future, please go to: kiva.org/lend/saved-search





Help Center > Social underwriting & risk How does Kiva U.S. manage delinquent loans? Loans are marked as delinquent when a borrower has repaid less than owed to date, as agreed upon with their repayment schedule.



In traditional finance, borrowers can be subjected to high interest rates, late fees, and inflexible collection methods. Kiva U.S. takes a more empathetic approach with our direct lending program in the United States. When Kiva U.S. loans become delinquent, our team follows up with the borrower and Trustee (if applicable) to create an open channel of communication with the goal of understanding the delinquency.



In the case of changed circumstances or business struggle, we work to create a new repayment schedule they can follow toward eventual repayment of their loan, while also encouraging them to update their lenders. Our U.S. team sets the expectation that the borrower repays their loan in full even if the business continues to struggle.



For more detailed information on delinquency management, please check out this blog post: kiva.org/businesscenter/human-centered-risk-management



Our U.S. team may post comments on the loan from time to time, but due to time and staffing constraints can't commit to doing so regularly for every loan. As a lender you're more than welcome to post a comment on loans you've supported as well. In doing so, the borrower may respond and provide more details into the challenges they're facing. Similar FAQs

What do “Average Cost to Borrower” and “PY” mean?

Why is it hard to track if a post-disbursed loan is dependent on Kiva lender funding?

Why are your Field Partners' interest rates so high?



Help Center > Expirations Why do loans expire on the Kiva website? Kiva allows lenders to make choices about who they support with their Kiva credit. Every loan has 30 days to become fully funded, and many loans are funded within a matter of days. Loans fundraise on either a flexible or fixed funding model. Flexible means that any funds raised will be sent to the field, whereas fixed funding loans are returned to contributing lenders if the full amount is not reached within the fundraising period. Any previous mention of "Expiring soon" will now be labeled "Ending soon" to include both models of funding.



Help Center > Creating & managing a team How do I create a lending team? You can create a lending team by going to: kiva.org/teams



Click the blue "Start a team" button and you'll be taken to a page where you can enter in information about your team. You'll be given the chance to recruit team members or you can continue without inviting others. You'll then be taken to your lending team page. You will automatically be made the captain which gives you administrative privileges such as editing the team information, accepting or dismissing team members, appointing co-captains, and deleting messages on the message board.



Please check out the Lending Team Playbook for tips on establishing and growing your team: kiva.org/teams/playbook

Similar FAQs

How does Kiva ensure that loans aren't over-indebting borrowers?

Why are interest rates in post-conflict areas so high?



Help Center > Kiva U What is Kiva U? Kiva U is Kiva's educational outreach program. Through experiential learning, digital collaboration and the power of human connection, Kiva U provides a platform for young people and educators to take action and change lives through microfinance. Check out the Kiva U website at: www.KivaU.org .



At Kiva U, we envision a world where students and educators are empowered with the tools and opportunities to become informed, inspired, and mobilized global citizens. On the Kiva U site, you will find a number of toolkits that can be used by both teachers and students. Feel free to take a look at our Kiva toolkit page here: https://www.kiva.org/kivau/toolkits . There are also curricular materials for teachers, activities for student clubs, and even specialized activities for very young children. You can connect with Kiva U through social media: Facebook: facebook.com/groups/KivaU/ Twitter: @Kiva_U

Similar FAQs

Why are there no loans matching my area of interest?

Why are your Field Partners' interest rates so high?

Does Kiva earn interest on lenders' funds?



Help Center > Creating an account How do I create a Kiva account? Registering for Kiva is free and easy. To get started, please go to kiva.org/register and follow these steps:



1. Enter your name and email address

2. Create a password

3. Check the box confirming you've read the Terms of Use and Privacy Policy, then click "Continue"



You can also sign up using Facebook by clicking the "Sign up with Facebook" button at the top of the page.



Help Center > Monthly Good How does Monthly Good differ from auto deposit? While Monthly Good and auto deposit are both recurring contributions to Kiva, they function a bit differently. When you sign up for Monthly Good, your balance will be automatically lent to borrowers on Kiva as soon as you have $25+ in your account. As a Monthly Good contributor, you’ll receive an inspiring email from Kiva once a month telling you whom you supported and why it mattered, but will not receive other emails related to your loans, such as repayment notifications or updates. Additionally, Monthly Good gives you the option to make recurring contributions with card payments or your PayPal account, while auto deposit contributions can only be made through PayPal. When you sign up for auto deposit, funds will be added to your account on a monthly basis, and available for you to lend to the borrowers of your choosing. You can also choose to enable auto-lending on your account, to automatically have your funds lent out to borrowers according to your lending preferences.







Similar FAQs

Why are interest rates in post-conflict areas so high?

When I sign up for Monthly Good, do I get to choose who my funds support?

Why are there no loans matching my area of interest?



Help Center > Jobs & volunteering Does Kiva have any volunteer or internship positions? Kiva volunteers are vital to what we do. You can learn more about the Kiva internship program and other volunteer opportunities here: kiva.org/volunteer



Help Center How do I recognize spam and phishing emails? Kiva has been alerted that from time to time spammers send out emails impersonating Kiva, with the goal of gathering information. We want to clarify a few things to help people avoid falling victim to these messages and to quickly react if they do.



What Kiva will NEVER ask in a message:

--Kiva will never ask for your password

--Kiva will never ask you to send financial information

What shows that a message is from Kiva:

--A message from Kiva would come from an @kiva.org domain

-- (Please note that e mails from Kiva will always come from an @kiva.org address, but phishers and scammers may also imitate an @kiva.org address. If you receive a questionable email from an @kiva.org address, please alert contactus@kiva.org)



Who/what to consult if you're not sure if a message is from Kiva:

-- Forward the original message with the complete email headers to contactus@kiva.org



Steps to take if you fall victim to spam:

--Change the password associated with your Kiva account immediately

--Change any other passwords associated with other accounts (email, online banking, PayPal, etc.)



For more information, check out this blog post: blog.kiva.org/kivablog/2013/10/01/a-note-about-kiva-and-phishing-for-national-cyber-security-awareness-month

Similar FAQs

1) Scheduling an offsite BV

What type of monitoring does Kiva do with its Field Partners?

What do “Average Cost to Borrower” and “PY” mean?



Help Center > Currency exchange loss What does "Partner covers currency loss" mean & how could it affect my Kiva loans? When lending internationally, the local currency in a borrower's country may lose some of its value compared to the US dollar -- requiring the partner to use more of its local currency to repay Kiva in USD. We offer some Field Partners the option to protect themselves against currency fluctuations by choosing to pass on these losses to Kiva lenders. By bearing this risk, lenders protect the partner and its borrowers from catastrophic currency devaluations and contribute to the sustainability of their operations.



Potential for currency exchange loss is noted on every loan profile under the loan details:



"Yes" means the Field Partner will cover any currency loss. Lenders will not bear losses due to currency fluctuation



"Partial" means that the Field Partner has opted to cover losses only up to 10%. If the U.S. dollar appreciates more than 10% against the local currency, those losses will be passed onto lenders.



"No" means that the Field Partner is not covering any currency losses and all losses will be passed onto lenders.



"N/A" means the Field Partner disburses loans to borrowers in USD so their loans are not subject to any currency fluctuation. Similar FAQs

How do I purchase a Kiva Card using Kiva credit?

What do “Average Cost to Borrower” and “APR” mean?

Why are interest rates in post-conflict areas so high?



Help Center > Repayments How does Kiva’s repayment system work? Kiva’s repayment system is designed to accurately reflect the way that our Field Partners collect funds from borrowers in the field.



When one of Kiva’s Field Partners uploads a borrower’s loan request to Kiva, they set the anticipated repayment dates for the loan and the date that the loan is set to be disbursed to the borrower. Our Field Partners have until the end of the month that each anticipated repayment is due to let Kiva know whether or not they actually collected the repayment. Once we have all of this information, we use it to generate a bill to charge our Field Partners for all of the repayments they collected that month.



Because we work on a net billing system with our partners, it means that for any given month we subtract the amount of repayments that a partner owes to lenders from the amount that a partner fundraises for new loans on the Kiva website.



If the balance is positive, that means that the Field Partner has raised more than they need to repay, and we use those funds to credit lender account with the repayments due and send the remaining amount to the Field Partner via wire transfer. If the balance is negative, then the Field Partner has 30 days to send us a payment for the balance. As soon as we receive that payment, we use those funds to credit lenders account with the repayments due.



Once the repayment is made into a lender's Kiva account, they can choose to relend the funds, donate them to Kiva’s operating expenses, purchase a Kiva Card or withdraw them into a PayPal account. Please note that Kiva's repayment system doesn't take into account transactions between the Field Partner and the borrower that do not involve Kiva, such as interest payments, fees paid or any mandatory savings. Similar FAQs

How does the money for the loan get to each borrower?

Why are there no loans matching my area of interest?

How does Kiva aim to reach people not being served by traditional banks?



Help Center > Lending basics Will I receive interest on my loan? Kiva does not pay interest to lenders. Lending on Kiva involves risk of principal loss, and loans should not be considered investment vehicles.



Help Center > What can fundraise Why does Kiva allow loans to be posted when they're for non-sustainable farming methods? While the use of chemical fertilizers and pesticides isn't necessarily an environmentally friendly practice or proven to be the most sustainable method of farming, we allow borrowers who use these types of products to be posted on Kiva because it's such a normal and necessary practice in many parts of the developing world. Until cheap, sustainable ways of growing and harvesting crops are more common in these regions, people are likely to continue using these products and farming methods. This issue introduces a much greater development challenge that Kiva can't take on alone, but we certainly hope that sustainable methods of farming will become more commonplace in the developing world in the future.



We have a sector on our website for "Green" loans, which may help you to better find borrowers whose activities are related to sustainable farming methods, solar power, wind power, biofuels or energy efficiency. As we grow we hope to continue to expand our green loan offerings so there will be more loans for organic and sustainable farming on Kiva. You can find green loans by going to: www.kiva.org/lend?attribute=1



There is also a tag for "Sustainable Ag" that you can find on the Filters menu, or at this link: www.kiva.org/lend?tag=8



If you know of any organizations working in the area of sustainable agriculture who you think would make a great Kiva Field Partner please encourage them to check out our partner criteria at: kiva.org/partners/info Similar FAQs

How does Kiva aim to reach people not being served by traditional banks?

Why are there no loans matching my area of interest?

1) Scheduling an offsite BV



Help Center > How to apply Can I recommend a Field Partner? We hope to one day expand our reach to every country around the globe and rely on finding partnerships with reliable, mission-driven organizations in order to do so. If the organization you know of fits our minimum criteria, please contact them directly and ask them to review this criteria to ensure they're a good fit. A list of this criteria and a Partnership Inquiry Form can be found at: kiva.org/partners/info The organization must fill out that form to start a conversation with our Investments team. They will reach out if they're interested in learning more and request further documentation.

Help Center > Payment Does Kiva charge a fee when I lend? Kiva never takes a fee from lenders, which means 100% of the funds you lend on Kiva go to supporting borrowers’ loans. We support our operations through optional donations from our lending community and it's estimated that for every $1 donated to Kiva's operating expenses, we are ablt to facilitate $8 in loans to borrowers. When you check out on Kiva with a loan, you'll see an optional donation automatically added to your basket. If you'd like to change this donation amount, you can do so on the "Basket" page by clicking the pencil icon next to the donation amount. Enter a custom amount or click "No donation to Kiva" and submit your changes. When checking out with a Kiva Card or donation, you can edit the amount directly and click "Update". If you'd like to support Kiva by making a lump-sum donation instead, you can do so at: kiva.org/donate

Similar FAQs

How do I purchase a Kiva Card using Kiva credit?

What do “Average Cost to Borrower” and “PY” mean?

How do I lend on Kiva?



Help Center > Signing in Do I have to sign in with Facebook? You do not need to sign into a Facebook account to access your Kiva account. You're more than welcome to sign in using your email address and password. To do so, just go to kiva.org/login. Enter your email address and password, then click the blue "Sign In" button to sign into your Kiva account.

Help Center > Donations to Kiva Is my loan tax-deductible? Kiva loans are not considered a tax-deductible donation because there is a possibility that you will be repaid. However, we can't guarantee that your loans will be repaid or that you will recover your principal.



Donations made to Kiva's operating expenses, unlike loans made to borrowers, are eligible for a tax-deduction in the U.S., where Kiva is a registered 501(c)3 nonprofit.



Help Center > Kiva basics What is Kiva's mission? Kiva's mission is to expand financial access to help underserved communities thrive. To learn more about our values and beliefs, please go to: kiva.org/about



Help Center > Updates Will I receive updates about the borrowers I have supported? It's possible you will receive updates from Kiva Field Partners and borrowers as your loan is repaid. We encourage, but don't require, our partners to provide updates on a regular basis. Due to time constraints and limited staff they may not be able to do so regularly.



You can check a Field Partner's journaling rate on their partner page (kiva.org/partners) to get an idea of how frequently they share loan updates with lenders. Please note as well that our direct lending program in the United States does not require partners, meaning updates are shared more frequently.



Another place to read updates and stories from the field is on our blog: kiva.org/updates/kiva Similar FAQs

How does Kiva aim to reach people not being served by traditional banks?

How does Kiva measure impact?

Why are there no loans matching my area of interest?



Help Center > COVID-19 What is Kiva's international response to COVID-19? We are monitoring developments around the world for our Field Partners in other countries, and are in close contact with them to assess operational impacts. We expect to see our Field Partners introduce flexible payment terms to accommodate quarantine measures. These measures would be taken to ease the impact their operations and their borrowers’ businesses have experienced as reduced economic activity follows COVID-19. In the aftermath of the crisis, Kiva will support Field Partners in their efforts to design new loan products tailored to help borrowers recover and restart their businesses.

While offers to forgive loans are generous, our system was built to accommodate loans not donations. This means that all funding requests posted to Kiva are considered loans, and there unfortunately isn't a way to request that a borrower not repay your portion of the loan they received. Kiva has set up a Global COVID-19 Response fund in order to engage lenders in an effort to help borrowers and Field Partners make it through the challenges brought on by COVID-19. We believe this community has an important role to play, as credit is an appropriate tool to address the immediate crisis Field Partners and borrowers are facing.

We have also launched a new product, called Crisis Support Loans. You can learn more here: https://www.kiva.org/blog/introducing-crisis-support-loans-how-we-can-support-our-field-partners You can also find information on our response here: https://www.kiva.org/blog/covid

Similar FAQs

What do “Average Cost to Borrower” and “MPR” mean?

Can I pay extra fees on a loan so that the borrower is not charged interest?

What is borrower verification?



Help Center > Kiva's Response to COVID-19 How is Kiva responding to COVID-19 in the U.S.? Thanks for reaching out and for your interest in supporting businesses that have been impacted by the coronavirus.

For borrowers in the U.S., we have taken action to address the financial hardship small and medium sized business are already facing. Specifically,

U.S. applicants for a Kiva loan will now have access to the following:.Expanded eligibility: More businesses in the US will be eligible for a Kiva loan. .Larger loans: The maximum loan on the Kiva platform will increase from $10,000 to $15,000.Grace period: New borrowers may access a grace period of up to 6 months for greater financial flexibilityWe recognize that the COVID-19 pandemic has global impact, and we're exploring ways to help as many people affected by this crisis as possible. Currently, the U.S. market is the place we have the most agility to deploy financial assistance. To read more about Kiva's response to coronavirus, check out this blog: https://www.kiva.org/blog/support-local-businesses-during-the-coronavirus-pandemic





Similar FAQs

What do “Average Cost to Borrower” and “PY” mean?

What is Kiva's international response to COVID-19?

Why are your Field Partners' interest rates so high?



Help Center > Inactivity settings How do I reclaim funds that have been sent to the state? If you haven't signed into or modified your Kiva account for 2 years we consider your account inactive, and your inactivity settings kick in. If you don't have any inactivity settings enabled, we may be required to turn your available credit over to your state government (if you don't live in the U.S. your funds will be sent to the state of California).



If this happens, we'll send you an email notifying you that we've sent your credit to the state. To reclaim your funds, please visit: unclaimed.org

Help Center > Updates Why didn't I receive an update on why my loan is delinquent? Thank you for your interest in learning more about the status of your loan. The updates lenders receive about borrowers are written by our Field Partners, and we highly encourage partners to post updates about how borrowers are doing. However, we understand they have their own time and staffing constraints so we don't require them to do so.



One of the reasons updates can be difficult to obtain is because many borrowers live in remote and difficult-to-reach locations, and the flow of information between borrower and Kiva can be lengthy and costly. A borrower may only interact with a loan officer, who would then need to report that information back to the branch manager, who would then have to report that information back to the Kiva Coordinator at the partner's main office, who would then translate the information and post it to the Kiva website.



If receiving updates on borrowers is important to you, you may want to lend through Field Partners with a reputation for posting updates. You can check out the journaling rate of a Field Partner by clicking on “More about [the partner’s name]” in the Field Partner section of a loan, or by checking this list: kiva.org/partners (scroll down on the partner's profile to see their journaling rate). Similar FAQs

How does the money for the loan get to each borrower?

How does Kiva’s repayment system work?

1) Scheduling an offsite BV - Portuguese



Help Center > Lending team basics What is a lending team? Lending teams are self-organized groups of lenders built around common interests such as school affiliation or geography. Team members continue to lend as individuals, choosing their own loans, but can track their collective impact as a group by attributing their loans to their team. To browse through lending teams on Kiva and join or create one, please go to: kiva.org/teams



Help Center > Monthly Good What is Monthly Good? Monthly Good is the simplest way to have an ongoing impact in the lives of borrowers around the world through Kiva. With Monthly Good, you sign up to make recurring payments using your card or PayPal account and choose a monthly amount that works for you. Kiva will then automatically lend 100% of your funds to borrowers who need help reaching their goals. You’ll receive an update once a month, letting you know whom you supported and why it mattered.

Help Center > Kiva Store I have a question about the Kiva Store or my order. Who do I contact? The Kiva Store is powered by our Field Partner NOVICA, so all questions about the Kiva Store or your orders with the store should be directed to their support team via this contact form: store.kiva.org/contact-us



You can also find a list of commonly asked questions in the Kiva Store FAQ section: store.kiva.org/help



Sorry we can't be of more direct help!



Help Center > Account settings How do I change the name associated with my Kiva account? To change the name associated with your Kiva account or displayed on your public lender page, sign into your Kiva account and go to: kiva.org/settings/account

Help Center > Kiva basics Where does Kiva work? Kiva works in over 80 countries around the world. This work is made possible through a network of 300+ Field Partners plus a direct lending program in the United States. To find a list of the countries where our partners operate check out: kiva.org/about/where-kiva-works



Help Center > Trustees How do I become a Trustee? Kiva US is not currently accepting new Trustee applications at this time. If you are in contact with a Kiva staff member or partner, they can provide you with more information.





Help Center > Other resources Do you have brochures or promotional materials? We have a printable flyer available here: brandfolder.com/s/o9k5d4-6unmo-bhr0xk



Thanks for spreading the word about Kiva!

Help Center > Borrowers How do I apply for a Kiva U.S. loan? If you're interested in applying for a Kiva U.S. loan, you can start your application by clicking the “Apply Now” button on kiva.org/borrow

To access helpful application tips and learn more about what to expect, I would recommend checking out our application guidelines page here: https://www.kivaushub.org/borrowers

After completing your application, a member of the Kiva U.S. team will reach out to you to better understand the business and ask any follow up questions. After reviewing the completed application, the Kiva U.S. team will determine if you qualify for the full loan request. If you have any questions during the application process, please email borrowers@kiva.org.







Similar FAQs

1) Scheduling an offsite BV

Does Kiva earn interest on lenders' funds?

What is a risk rating?



Help Center > Donations to Kiva I don't live in the United States. Is my donation to Kiva's operating expenses tax-deductible? Kiva is a United States 501(c)3 nonprofit organization and we unfortunately don't yet have tax-deductible status in any other countries. Please consult a tax professional to see if your donation to Kiva's operating expenses may be tax-deductible for you.



Help Center > Kiva Card basics My Kiva Card converted into a donation, can you change it back so I can use it for loans? A Kiva Card is a gift product that combines the ability to make both a loan and a donation to Kiva. When you give a Kiva Card, you give someone else the chance to make a loan to a borrower who inspires them. When their loan is repaid, they can use those funds again and again to make even more loans on Kiva. If the recipient does not use their Kiva Card within 12 months of the purchase date the funds are automatically converted into a donation to Kiva's operating expenses.



Unfortunately, once a Kiva Card is converted into a donation there's no way to reverse the donation or apply those funds toward a Kiva loan. Please be assured that these funds are still being put to good use, as every $1 donated to Kiva helps us raise $8 in loans.



For more information, please review the Kiva Card terms and conditions: kiva.org/gifts/kiva-cards/terms Similar FAQs

Why are there no loans matching my area of interest?

Does Kiva earn interest on lenders' funds?

How do I purchase a Kiva Card using Kiva credit?



Help Center > Borrowers How does loan matching work? Loans marked with a "x2" icon on Kiva's website will be eligible for matching funds from our sponsors, which means that if you lend $25 to that borrower, a fund set up by the loan matcher will also lend $25 to that borrower -- essentially doubling the contribution made to that loan and helping it reach its goal. Repayments on the matched amount, however, will return to the sponsor not to your Kiva account.



Please note, while loans with a "x2" icon on them should be matched by a sponsor, we do not guarantee that all loans will be matched. Matching will occur as long as matching funds are available that meet the criteria of that loan and the matched amount does not exceed the total loan amount. Similar FAQs

Why does Kiva allow loans to be posted when they're for non-sustainable farming methods?

How does Kiva measure impact?

Why are your Field Partners' interest rates so high?



Help Center > Inactivity settings What is the automatic withdrawal inactivity setting? If your Kiva account becomes inactive (not used for 24 consecutive months), you can select to have your credit sent to the PayPal account of your choosing. To enable this option in your inactivity settings, go to: kiva.org/settings/credit



Under "Inactivity Settings" select “Return my credit to my PayPal account” and enter the email address associated with your PayPal account. When you’re done, click “Save settings." If your account becomes inactive we will automatically initiate a withdrawal request for you.

Help Center > Purchasing a Kiva Card How do I purchase more than one Kiva Card? You can purchase multiple Kiva Cards by going to: kiva.org/gifts/kiva-cards



Select the delivery method for your Kiva Card and fill out the required fields (those with an asterisk (*)). Click "Add to Basket" to add that Kiva Card to your basket. Repeat the process until you've added all the Kiva Cards to your basket. Check the terms and conditions, then click "Add to Basket and Checkout" to begin the checkout process.



For a quicker option, if you don't need the Kiva Cards personalized, you can select print or postal delivery and leave the recipient name blank. Then adjust the value and quantity accordingly at the bottom of the order form. For email delivery, enter the email addresses of each recipient separated by commas.



Similar FAQs

How do I redeem a Kiva Card?

How do I purchase a Kiva Card using Kiva credit?

How does Kiva’s repayment system work?



Help Center > Field Partner basics Can I visit a Field Partner or borrower? We really appreciate interest in visiting the field, however, Kiva and its Field Partners are unable to facilitate visits from lenders due to limited bandwidth and resources. Our partners are required to do a lot for Kiva in terms of writing loan profiles, updates and repayment reporting. We want to respect their small teams and make sure they have time for business as usual.



Thanks for your understanding.



Help Center > How lending works Can I support the same borrower more than once? Borrowers may take out successive or concurrent loans on Kiva, and when they do we encourage Field Partners to use a feature called "relisting" to post them on the website, which notifies lenders who've previously supported that borrower by email.



If you subscribe to loan updates (www.kiva.org/settings/email), you should receive notices when a borrower you've lent to in the past posts a new loan. You can also filter loans by the Repeat borrower tag to find all borrowers who have had a previous loan on Kiva: https://www.kiva.org/lend?tag=28











Help Center > Borrowers If my loan expires, what happens to the lenders' contributions? If your loan expires, your lenders will receive the funds they contributed back in their Kiva account as Kiva credit. At that point, they can choose to relend the funds to another entrepreneur or withdraw their funds from Kiva to their PayPal account.









Help Center > Saved search & favorites Can you alert me when a particular type of loan becomes available? Kiva allows you to save searches and be notified when new loans matching your search criteria become available on the website.



To sign up for these alerts, you'll first need to sign in and save a search for that criteria. To do so, please go to: kiva.org/lend and use the search filters to find loans matching your preferences (using either the keyword search at the top of the page, or "Filters" on the left).



When you're done click "Save this search" at the top of the page. A pop-up will appear where you can opt into receiving emails when loans within that search are posted.



To manage your saved searches and email alerts later, just go to: kiva.org/lend/saved-search or use the drop-down menu on the "Lend" tab and click "Saved searches" under "My Kiva". If you can't find loans matching your preferences please continue to check back as new loans are posted every day!

Similar FAQs

Why are there no loans matching my area of interest?

How do I purchase a Kiva Card using Kiva credit?

How does Kiva ensure that loans aren't over-indebting borrowers?



Help Center > Interest rates How does Kiva ensure its Field Partners are offering fair and appropriate interest rates? Kiva chooses to partner only with organizations that have a strong commitment to serving the needs of poor, vulnerable and/or excluded populations, either through financial services or by using credit to expand access to beneficial products and services. We also require that all of our Field Partners endorse the Smart Campaign's Client Protection Principles (smartcampaign.org/about/smart-microfinance-and-the-client-protection-principles), an industry-wide initiative to establish a baseline for responsible microfinance. So far, the vast majority of our partners have endorsed the principles, helping safeguard borrowers against over-indebtedness and ensure transparent pricing for borrowers.



We ensure that our partners are adhering to the "responsible pricing" principle by reviewing their audited financial statements and calculating the return on assets (ROA) and Average Cost to Borrower, adjusted for inflation. Our Field Partners with the highest cost to borrowers and return on assets, in addition to those with a real ROA above 5% and a Field Partner Premium (Field Partner Premium = portfolio yield adjusted for inflation - financial expense) above 30%, are subject to additional scrutiny, such as collecting compensation information for executive staff, reviewing loan schedules and calculating APR on all loan products.



Based on this information, Kiva has chosen to exit relationships with partners where the justification for their pricing could not be established. Similar FAQs

Why is it hard to track if a post-disbursed loan is dependent on Kiva lender funding?

1) Scheduling an offsite BV

What do “Average Cost to Borrower” and “PY” mean?



Help Center > Withdrawals My loan expired. Why wasn't my money refunded to me? Because Kiva does not have access to your original method of payment, we're unfortunately unable to automatically refund you if your loan expires. Instead, your contribution is returned to your account as Kiva credit. To request a refund, please email us at refunds@kiva.org and confirm that the original payment source is still valid.

Help Center > Loan details Why do the loan descriptions from certain Field Partners seem so similar? The loan descriptions on Kiva's website are written by our Field Partners. To help the staff at our partners, who may not have English as a first language, our team will sometimes provide loan description templates. These templates help make it easier for our Field Partners to draft loan descriptions by allowing them to fill in different facts about the borrower, such as number of children, marital status, etc. Because some of our partners have and use these templates, you may see similarities in the style of different loan descriptions from the same Field Partner.



While these similarities shouldn't be cause for alarm, please know that Kiva does use a process called borrower verification to to confirm the accuracy of the information included in borrower profiles. To read more about this process, please check out this Fellows Blog: https://www.kiva.org/blog/on-the-road-again-borrower-visits-throughout-southern-uganda Similar FAQs

How does Kiva measure impact?

What do “Average Cost to Borrower” and “APR” mean?

What do “Average Cost to Borrower” and “PY” mean?



Help Center > Inactivity settings How do I change my inactivity settings? Kiva accounts are considered inactive if they haven't been used or modified for 2 years. That means that all it takes to keep your account active is to sign in periodically.



To edit your inactivity settings in the case that your account does become inactive, just sign into your account and go to: kiva.org/settings/credit



This page will give you the option to designate a PayPal account to have inactive funds automatically sent to, or to donate those funds to Kiva. The Auto-Lending section on that page will also give you the choice to have your funds automatically lent after a certain period of inactivity.

Similar FAQs

Why are interest rates in post-conflict areas so high?



Help Center > Creating an account Is it possible to set up a group account? Kiva does not differentiate between individual and group accounts. If you'd like to create a Kiva account for your group, just enter the group's name instead of your name in the "First Name" and "Last Name" fields when registering the account. Please note that whoever owns the email address associated with your Kiva account is that account's owner. If you'd prefer to create a lending team where individual lenders make their own loans and then attribute them to your team, you can do so at: kiva.org/teams



Help Center > Signing in Why can't I sign into my account? Account login issues are usually caused by problems with your password or email address. First, please be sure the email address you're entering is the one used to create your account.



If you know what email address you used but can't remember your password, please try using the "Forgot your password?" link on the login page to reset your password.



If you've reset your password and the login information still isn't working, please make sure you are entering this new password manually, as sometimes your browser or password manager may be auto-filling old login details.



Help Center > Interest rates How does Kiva ensure that loans aren't over-indebting borrowers? At Kiva we take concerns about over-indebtedness and client protection very seriously. We have directed a significant portion of our resources to foster responsible microfinance at all of our Field Partners around the world and do so through due diligence, monitoring, and staffing. A great place to read more about our efforts and approach is on our website here: kiva.org/about/socialperformance



Kiva seeks to partner with organizations that have a strong social mission, and when conducting due diligence on potential Field Partners we favor organizations that excel in:



1. Client protection (especially when it comes to the prevention of over-indebtedness) fair and transparent pricing, good collection practices, and the security of client information

2. Outreach that ensures vital services reach the poor, unbanked, and under-served

3. Innovative loan products, savings, and non-financial services specifically tailored to the needs of the target group

4. Measuring outcomes in the lives of borrowers



Many of our partners are chosen because not only do they lend money, but they also offer services such as savings accounts, financial literacy training, and empowerment programs.



Please note as well that we conduct social audits of all active partners to ensure we (and they) understand their strengths and weaknesses as an organization. Kiva's Field Partners include both for-profit and non-profit institutions, and all must have interest rates that are comparable to other institutions in their region. Kiva has also chosen to endorse and promote the Smart Campaign's Client Protection Principles (smartcampaign.org/about/smart-microfinance-and-the-client-protection-principles), an industry-wide initiative to establish a baseline for responsible microfinance. To post loans on Kiva, all our partners must endorse the campaign (or provide justification for why their standards effectively meet the same requirements).



Lastly, we have dedicated staff responsible for selecting, servicing, and monitoring our Field Partners. This investment of resources reflects Kiva's commitment to working with the right organizations. Kiva staff themselves are selected from a competitive pool to ensure excellence, accountability, and commitment to our mission of connecting people through lending to alleviate poverty.

Similar FAQs

Why is it hard to track if a post-disbursed loan is dependent on Kiva lender funding?

Why are your Field Partners' interest rates so high?

What type of monitoring does Kiva do with its Field Partners?



Help Center > Kiva basics What is Kiva's phone number? Kiva does not provide live phone support but you're more than welcome to leave a message for our community team at (828) 479-5482. However, due to the small size of our team we're able to respond to emails faster than calls. You can reach us at: contactus@kiva.org

Help Center > Free credit Why wasn't my free credit returned to me when my loan expired? Free credit is designed to allow you to make a one-time loan so if the loan expires or is refunded, the funds will not be returned to your account but instead go back to Kiva. We are happy to replace free credits in this case, it just won't happen automatically.



Help Center > Loan matching How can I confirm if my loan was matched? To confirm whether a loan you supported was matched sign into your Kiva account and go to: kiva.org/portfolio/loans



If your loan was matched by a sponsor you'll see a "x2" icon noted next to the loan on this page.

Help Center > Account settings How do I view or edit my public lender page? To view and/or edit your public lender page on Kiva, please sign into your account and go to: kiva.org/settings/account



Scroll down to where it says "My Lender Profile." To preview your lender page, click "View your lender page." You may also want to bookmark your lender page for easier access. To edit the information displayed on your lender page, enter your changes noted in this section and click "Save profile info" below.



Help Center > Expirations What happens if a loan doesn't fully fund on Kiva? Kiva loans have 30 days to become fully funded. If a loan is unsuccessful in doing so, it expires and all lenders have their contributions returned to their available credit. The borrower actually isn't directly affected in the case of most partner loans. If their loan expires, most Field Partners will use their own capital to fund the loan. There are some situations, however, where borrowers will not receive their loan if it expires. This happens with direct loans and partner loans that are not pre-disbursed, or when the Field Partner does not have the resources to cover the loan. We know it can be hard to see a loan expire, which is why we're working hard every day to grow our community of lenders making positive impacts in the lives of Kiva borrowers and their communities.

Similar FAQs

How does Kiva’s repayment system work?

What type of monitoring does Kiva do with its Field Partners?

What do “Average Cost to Borrower” and “APR” mean?



Help Center > Lending team basics How do I join a lending team? You can join a lending team at: kiva.org/teams



On this page you can use the search box to browse teams according to keywords and once you've found a team you'd like to join, click "Join Team."



If the team is closed, click "Request to Join" to send a request to the team captain. Once the team captain approves your request you'll receive an email confirmation.



If you'd like to join a team but aren't sure where to get started, you can check out the Welcome to Kiva team at: kiva.org/team/welcome_to_kiva



Help Center > Risk & due diligence What type of monitoring does Kiva do with its Field Partners? Kiva conducts routine monitoring of our Field Partners, including:



-- With the exception of certain safety-related travel restrictions, Field Partners are physically visited by staff at Kiva at a frequency that corresponds with the amount of funding they are allowed to raise on the Kiva platform (i.e. partners with a larger credit limit are visited more frequently). -- Many Field Partners also host Kiva Fellows who expand Kiva's on-the-ground ability to monitor and support our partners. To learn more about the Fellows Program, please visit: kiva.org/fellows

-- Each year Kiva reviews in detail the financial statements and relevant ratios of each Field Partner (with the exception of experimental partners).

-- If a Field Partner has been given a risk rating, that rating is updated 1x per year with the most recently available qualitative and quantitative information.

-- Kiva conducts periodic audits of a sample of each Field Partner's borrowers posted to Kiva, which is a process called borrower verification.

-- Kiva examines each Field Partner's loan pricing on an annual basis, and if we learn that a partner is charging borrowers a higher than usual rate, we collect extra details about the Field Partner and the country to better understand the decision-making and context behind this pricing.



As part of our ongoing monitoring, we may discover potential issues of concern at a partner. In these cases, we work to investigate and, if possible, resolve the issues as quickly as possible. While we investigate we may, at times, pause a partner’s ability to raise funds and/or delay the timing of distribution of collected repayment to lenders until the investigation is resolved. If a partnership is paused, we will share more information with lenders via the partner page: kiva.org/partners Similar FAQs

What do “Average Cost to Borrower” and “PY” mean?

1) Scheduling an offsite BV

How does Kiva ensure that loans aren't over-indebting borrowers?



Help Center > Interest rates Do Kiva borrowers pay any interest on their loans? Yes, most Kiva borrowers do pay interest to our Field Partners in some form. Kiva and Kiva lenders themselves do not receive interest on these loans.



Our partners collect interest from borrowers because there are many operational expenses associated with microfinance in developing markets, especially in rural areas. Many of Kiva's Field Partners also provide additional services alongside their loan products such as business training, financial literacy lessons, or health services.



Kiva will not partner with an organization that charges unreasonable interest rates, and we require Field Partners to fully disclose their rates. In addition, we only partner with microfinance institutions and organizations that have a social mission to serve the poor, unbanked, and underserved.



There are some 0% interest loans on Kiva, including all direct loans in the United States. To learn more about the interest rates Kiva borrowers pay, you can review the "Average cost to borrower" field on a loan profile. Similar FAQs

Why are your Field Partners' interest rates so high?

Can I pay extra fees on a loan so that the borrower is not charged interest?

How does Kiva measure impact?



Help Center > Definitions What are green loans? Green loans allow borrowers and their families to gain access to environmentally friendly products that reduce pollution and waste, provide solar energy, or deal with recycling and repurposing used materials.



You can find green loans by clicking "Green" under Attributes or by going to: www.kiva.org/lend?attribute=1

Help Center > PayPal When I pay through PayPal, is PayPal taking a fee? Kiva uses PayPal and Braintree to process credit card payments, which saves us about $1 million per year and ensures that 100% of lenders' loan contributions are sent to borrowers. Lenders outside the United States who select a PayPal payment option may be charged a fee to convert their local currency into US dollars, Kiva's working currency. However, we recently implemented direct credit card processing via Braintree, which does not charge fees. If you are using a non-U.S. credit card, you can select "Pay by card" tab next to the PayPal login screen and pay without any additional fees beyond what your credit card or bank charge for international transactions. Please contact your card provider for more details on exchange rates and fees. Similar FAQs

Why is it hard to track if a post-disbursed loan is dependent on Kiva lender funding?



How does Kiva aim to reach people not being served by traditional banks?



Help Center > Auto deposit Can I automatically deposit funds into my account each month? Kiva's auto deposit feature allows you to make monthly deposits into your Kiva account (or a monthly donation to Kiva). To set up an auto deposit, go to: kiva.org/auto-deposit



Please note that you'll need a PayPal account to set up an auto deposit.

Help Center > Balance & activity Why is there a difference between my total deposits and total amount lent? The total amount lent listed in your portfolio is the sum of funds that you have applied to Kiva loans, which includes loans made using repaid Kiva credit. For example: if you deposit $25 to make a loan, get repaid, and then make another $25 loan with those repayments, then your total amount lent will be $50 but only $25 is still due to return to you.



You can see the total amount you've deposited into Kiva at: kiva.org/portfolio



You can also review your transaction history at kiva.org/portfolio/transactions (to see deposits only, use the pull-down menu to select "Deposits" and sort your transactions). Similar FAQs

What do “Average Cost to Borrower” and “PY” mean?



Help Center > Sharing your loans How can I share my loans on Facebook? When you make a loan on Kiva you'll be given the option to share your loans on Facebook. When you get to the "Thank You" (or receipt) page after you've made your loan, you'll see a section entitled "Lending with friends is more impactful" which has a number of icons allowing you to share your loans on social media. Click the blue Facebook icon and you'll see a window where you can share your loan on Facebook.



Help Center > Field Partner basics Can I contact a Field Partner? We prefer that lenders work through Kiva to resolve any partner-related issues. Some of our Field Partners have limited access to the internet, may not speak English, and/or have very few staff. For these rea