Kivaorg

About Kivaorg

Kivaorg is a nonprofit organization dedicated to empowering individuals and communities through micro-lending. Operating at the intersection of finance and social impact, Kivaorg connects lenders directly with borrowers worldwide, facilitating access to capital for those who lack traditional banking resources. Founded in 2005, the organization has grown into a global platform that operates in numerous countries, leveraging technology to bridge financial gaps and promote economic independence. Kivaorg’s core service is its online lending platform, which allows individuals, businesses, and artisans to request small loans for various purposes, including starting or expanding businesses, covering medical expenses, or funding educational pursuits. Key features include a transparent, zero-interest model, borrower stories that foster personal connections, and a community-driven approach where lenders can track the impact of their contributions. The platform primarily targets underserved populations, including entrepreneurs in developing regions, women-led businesses, and individuals seeking to improve their livelihoods. Notable achievements include facilitating over $1 billion in loans across more than 100 countries, with a repayment rate exceeding 98%. Kivaorg’s market position is unique as it operates without charging interest, relying on donations and volunteer efforts to sustain its mission. Its value proposition lies in democratizing financial access, fostering sustainable development, and creating a global community of lenders and borrowers committed to shared economic growth.