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Kiva

Crowdfunded microloans expanding financial access

Overview

Kiva provides microloans to underserved communities around the world through crowdfunded loans. Lenders contribute on the platform, borrowers receive funds to start or grow businesses, and borrowers repay over time, with repayments recycled into new loans. It differentiates itself by directly connecting individual lenders with borrowers across 84 countries, focusing on financially excluded groups such as underbanked women, refugees, and climate-vulnerable communities, and by relying on volunteers to support the lending process. Its goal is to expand financial access and inclusion by enabling small entrepreneurs to improve lives and build resilient communities worldwide.

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About Kiva

Simplify's Rating
Why Kiva is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Social ImpactFinancial Services

Company Size

201-500

Company Stage

Grant

Total Funding

$11.8M

Headquarters

San Francisco, CA

Founded

2005

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What believers are saying

  • Kiva funded $166 million in loans during 2025, signaling strong platform demand.
  • Walton Family Foundation renewed Kiva NWA funding in September 2025, including a $1 million match.
  • Kiva’s October 2026 climate expansion with WWF and GEF brings fresh capital and partners.

What critics are saying

  • Kiva’s 2026 AI photo debate risks destroying lender trust in borrower authenticity.
  • Kiva still covers costs mostly through donations; sponsor fatigue would squeeze operations fast.
  • If lenders disengage, Kiva’s marketplace liquidity collapses and every loan origin suffers.

What makes Kiva unique

  • Kiva’s 0% interest crowdfunding reaches 300-plus lending partners across 86 countries.
  • Kiva’s borrower-lender storytelling keeps repeat lenders engaged, unlike impersonal grantmaking.
  • Kiva’s climate tools, like Climate Compass, target farmers hit by droughts and floods.

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Funding

Total Funding

$11.8M

Above

Industry Average

Funded Over

5 Rounds

Grant funding comparison data is currently unavailable. We're working to provide this information soon!
Grant Funding Comparison Coming Soon

Benefits

  • Medical, dental, and vision insurance
  • Unlimited PTO
  • $750 stipend for continuing education
  • Parental leave
  • 401(k) plan
  • Community building activities

Growth & Insights and Company News

6 month growth

0%

1 year growth

0%

2 year growth

0%
Provoke Media
Oct 27th, 2026
PRovoke Global Summit: what it takes for PR to earn c-suite influence.

PRovoke Global Summit: what it takes for PR to earn c-suite influence. Communications leaders at PRovoke's Global Summit discussed how business acumen, stronger internal relationships and measurable results can turn PR professionals into trusted advisors. CHICAGO - Communications professionals who want a bigger role in business decisions need to do more than demonstrate the value of PR. They need to understand what matters to senior executives, bring solutions rather than problems and show how communications contributes to business results. That was a central message from a discussion at PRovoke Media's Global Summit, where Cassondra Mize, head of marketing at Sera Prognostics, and Alison Perris, VP of marketing at Kiva, described how they have worked to establish themselves as strategic partners to executive leadership. The discussion, moderated by Jennifer Risi, founder and president of The Sway Effect, explored what it takes for communications leaders to gain influence across the C-suite, and maintain it once they get it. Both speakers arrived at their current organizations to find marketing responsibilities spread across different functions, requiring them to establish more coordinated approaches to communications and business strategy. Perris said she joined Kiva, the nonprofit microfinance organization, expecting to focus on rebuilding awareness of a brand that had attracted considerable attention in its early years but had become less visible. Instead, she found that marketing had been decentralized and without consistent leadership for roughly five years. Her initial work involved bringing together teams, establishing shared goals and creating a structure that connected marketing with product development and partnerships. "Sometimes to get a seat at the table, you have to actually build the system that creates those decisions," Perris said. Mize described a similar experience at Sera Prognostics, which is commercializing a test that helps identify pregnancies at higher risk of preterm birth. After moving from medical technology company BD, where established processes and teams supported marketing, she found that Sera's marketing responsibilities were distributed across functions without a central approach to messaging. Much of her first 90 days, she said, was spent listening, understanding the organization and identifying the processes needed to support its growth. For both executives, building credibility has meant demonstrating that communications can contribute to decisions well beyond publicity. Perris described a recent discussion at Kiva about using AI to alter photographs of borrowers to protect their identities, a proposal that raised concerns about manipulating images and the potential for public backlash. Rather than presenting the issue solely as a reputational risk, Perris approached the conversation by asking what the organization was trying to accomplish and how the decision would affect its relationship with lenders. She said the discussion centered on preserving the emotional connection between lenders and borrowers while considering the risks of altering the photographs. Perris said that approach also requires communications leaders to move beyond presenting executives with a range of choices and instead offer a recommendation supported by evidence. "I think what I found is that it's better to bring a recommendation," she said. "It's better to say, like, hey, if I was in your shoes, here's what I would do, and this is why." Mize agreed, saying that arriving with a recommendation - and alternatives if needed - demonstrates strategic thinking and helps build executive confidence. Perris offered another example from her time at eBay, where a product team wanted to remove a charitable donation option from the checkout process. The change threatened a program that generated substantial donations for nonprofits, but Perris said she knew a reputational argument alone might not persuade the engineers making the decision. Instead, she examined the behavior of customers who donated at checkout and found that they were among eBay's most valuable users, purchasing more and returning more frequently. She used that data to make the case that the feature represented a business opportunity rather than an impediment to checkout. According to Perris, the company subsequently expanded its use. "Sometimes the best way to protect the brand is not even bring the brand into the conversation, bring the data," she said. Mize drew on her previous experience at medical technology company BD, describing how she helped influence a business decision during the Covid pandemic. When BD discontinued a diagnostic test offered through a partnership, she said the initial plan would have allowed customers to move elsewhere. Instead, Mize said her team helped persuade executives to support a campaign encouraging customers to transition to BD's own product. Mize said the effort retained 75% of the business that otherwise could have been lost. The discussion also highlighted the continuing challenge of demonstrating the financial value of communications, particularly when executives are accustomed to the immediate performance measures available through digital marketing. Perris said communications professionals need to speak in terms that matter to business leaders, connecting brand awareness and reputation to outcomes such as customer acquisition and growth. At Sera Prognostics, Mize said her CFO has been among the most challenging executives to persuade as the company works toward broader commercialization of its PreTRM test. Raising awareness among physicians and patients requires investment, but the return on PR spending is not always immediately apparent. She said the CFO's questions nevertheless help sharpen the connection between marketing expenditures andbusiness objectives. Both executives questioned the usefulness of relying too heavily on traditional communications metrics. Perris singled out impressions, noting that even when campaigns generated billions of them, executives rarely asked about the figure. Mize said reporting email volumes and click-through rates is of limited value without demonstrating whether those activities contributed to business results. AI is also changing the value of earned media as people increasingly turn to generative search for information. Risi raised the implications for PR budgets, while Perris said communications teams are only beginning to develop ways to measure how their work influences AI-generated responses. Beyond measurement, the panelists emphasized the importance of relationships throughout an organization, particularly in situations where communications, legal, regulatory and business priorities overlap. Mize recalled instances at BD when marketing learned late about product recalls, underscoring the need to establish relationships across functions before problems arise. She also encouraged communications professionals to understand what she called the organization's "secret org chart" - the informal relationships and lines of influence that can determine who has access to senior leadership and whose advice carries weight. Understanding those dynamics, she said, can help communications leaders identify opportunities to contribute to decisions before they are finalized. Perris similarly stressed the importance of executive trust, saying that leaders do not want to be surprised by problems and that honesty is essential, even when communications professionals do not immediately have an answer. She also encouraged them to become more curious about the issues executives are trying to solve rather than assuming they need to arrive with every solution. "If you got a seat at the table, they know you can do the tactical side," Mize said. "It's how do you do the strategic side that matters?" Article tags News direct to your inbox The agency playbook. The PR industry's most comprehensive listing of firms from every region and specialty.

Metric Media LLC
Oct 1st, 2026
Kiva expands support for farmers facing climate change challenges worldwide.

Kiva expands support for farmers facing climate change challenges worldwide. Kiva announced new initiatives aimed at helping global farmers adapt to changing climates through innovative financial tools. The organization collaborates with lending partners worldwide using grants and partnerships such as those with VisionFund Kenya and World Wildlife Fund. 15 days ago Thursday, Oct 1 By San Francisco Sun Individuals and organizations are focusing on solutions to global hunger as World Food Day approaches, with Kiva announcing on Oct. 1 new efforts to help farmers adapt to climate change. Approximately 645 million people face chronic hunger and over two billion lack adequate nutrition. While the world produces enough food, getting it from growers to those in need remains a challenge. Kiva works with Lending Partner organizations and individual lenders to provide farmers in climate-impacted regions with access to loans, financial services, and tools for economic resilience. Reflecting the World Food Day 2026 theme of "Innovate Today, Nourish Tomorrow," Kiva has developed tools such as the Climate Compass assessment tool and the Climate Smart Toolkit. These resources collect information from more than 30 Lending Partners about local challenges related to climate change and compile insights that inform real-world solutions. VisionFund Kenya and Juhudi Kilimo are examples of microfinance institutions offering loans to smallholder farmers whose livelihoods depend on weather conditions. Michelle Schenck, Kiva's Senior Grant Project Manager, said, "Imagine if Kenya has a drought, and then all of a sudden, half of their farmers can't repay their loans. So obviously, those farmers are at risk because of this climate event, and also the institution,". She continued by asking: "If the rains don't come - or the rains come too much - how do we de-risk those farmers so that they don't lose their entire crop and have no money?" VisionFund Kenya piloted a program called Climate Cash providing crop insurance but initially faced low participation among farmers. Schenck said, "Either they can't get the farmers to take it because they don't understand it, or they've tried it and they had a bad experience." Kiva's consulting team used assessment tools funded by an international GIZ grant focused on environmental sustainability in Kenya to help improve these programs for both institutions and smallholder clients. The Climate Compass tool is being deployed globally alongside other resilience programs for more Lending Partners. In Moldova - one of Europe's most climate-vulnerable countries - farmers like Ion have benefited from Kiva loans supporting livestock farming amid political instability. Ion said, "We stayed, because we were always linked to the lands." Kiva is also scaling up its work through a recent $20 million investment from the Global Environment Facility in partnership with World Wildlife Fund for climate change innovators. Schenck summarized, "We're building the capacity of our partners to increase the climate resilience of the smallholder farmers they work with."

Coconino News
Aug 18th, 2026
Business education and planning workshop announced for Flagstaff area.

Business education and planning workshop announced for Flagstaff area. The Greater Flagstaff Chamber of Commerce announced on Aug. 18 a free Business Education and Planning workshop, which will include an 11-week Business Certification course in collaboration with DreamBuilder and Kiva.org. According to the announcement, those interested are encouraged to review the flyer for complete information and registration details. The program aims to provide local business owners and aspiring entrepreneurs with practical tools for growth and development. The Greater Flagstaff Chamber of Commerce bolsters local communities by fostering economic development, preparing the workforce, hosting events, driving business expansion, gathering key influencers, promoting community resilience, extending support to businesses throughout northern Arizona, supporting business-friendly policies through advocacy at various government levels, and partnering with stakeholders to enhance economic growth, according to the official website. In addition to educational initiatives like this workshop series, the organization also recognizes outstanding professional women through its ATHENA Award program for career accomplishments and community leadership. Those interested in participating in the upcoming certification course can find more details about registration on materials provided by the chamber.

AY Media Group
Feb 25th, 2026
Kiva NWA Expanding Spanish-language Access to Capital

Kiva NWA expanding Spanish-language access to capital. Kiva NWA is expanding its bilingual lending support to help more entrepreneurs secure zero percent interest microloans and overcome barriers to traditional financing and has added Ignacio Balderrama as Kiva NWA capital access manager. Operated locally by Fayetteville's Startup Junkie Foundation, the Kiva NWA Hub provides character-based, crowdfunded loans of up to $15,000 at zero percent interest to small business owners across the region. Hispanic-owned businesses represent one of the fastest-growing segments of new business formation in Arkansas, yet many founders face persistent barriers to traditional financing, including language access challenges, limited credit history and unfamiliarity with conventional lending systems, according to Claudia Scott, director of the Kiva NWA program. "As our region grows, our capital systems have to grow with it," Scott said. "Strengthening bilingual support through Ignacio's leadership allows us to remove barriers, increase participation, and ensure that Latino entrepreneurs are fully integrated into northwest Arkansas' economic momentum." A native of Bolivia, Balderrama joined the Startup Junkie team as an intern in 2023 and has also served as the host of Querido Emprendedor, the organization's Spanish-language podcast highlighting northwest Arkansas' Latino founders. In his new role, he will support prospective borrower intake, borrower advising, outreach, and loan readiness preparation as Kiva NWA expands Spanish-language consulting and capital access services. "For many entrepreneurs, access to capital is about clarity and trust as much as eligibility, and entrepreneurship takes courage," said Balderrama. "The least we can do is make sure the path forward feels clear and welcoming." The continued expansion of the Kiva NWA program was made possible through the renewal of support and increased investment in September 2025 from the Walton Family Foundation, which included renewed operational funding and a $1 million loan match contribution to Kiva U.S., doubling the impact of local lenders in Washington and Benton counties.

Greater Houston Women's Chamber of Commerce
Jul 18th, 2025
Tory Burch Foundation Partners with Kiva

Tory Burch Foundation partners with Kiva.

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