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How Kiva is helping banks unlock capital for underestimated entrepreneurs

Small business owners across the U.S. are often excluded from traditional financing due to systemic barriers and limited credit history. At the same time, many banks want to invest in the communities they serve but lack the tools to do so effectively. This article explores how Kiva’s crowdfunded loan model helps banks reach underestimated entrepreneurs, meet CRA-aligned goals, and build long-term trust—without adding credit risk to their portfolios. Learn how collective action can drive real impact and unlock capital where it’s needed most.

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Kiva Basics

From who we are to how Kiva works, find articles about Kiva’s mission, our innovative programs to expand financial access, and how crowdfunded loans create lasting social change.

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Kiva Basics

Kiva News

Read about Kiva updates, discover studies and reports on financial access and inclusion, and see the positive impact Kiva is having in communities around the world.

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Kiva News

Small Business Hub

Learn more about how peer-to-peer lending works, explore the ins and outs of Kiva loans, find tips and resources for small business owners, and read stories from U.S.-based entrepreneurs.

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Small Business Hub

Corporate Social Responsibility

From employee and customer engagement to social justice at work, find articles on how Kiva helps socially responsible organizations reach—and exceed—their CSR goals.

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Corporate Social Responsibility