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Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
Lolly is a good and honest woman who has been active for several year in selling palm oil, lime juice, and fruits and vegetables.
Thanks to Kiva loans she has had, Lolly is making good progress and constantly changing her living conditions at work and at home. She is renewing her loan request to buy even more goods in order to keep up the momentum.
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Translated from French by Kiva volunteer Daniel Kuey. View original language description.
Lolly est une brave et courageuse femme qui depuis plusieurs années, s’active dans la vente d’huile de palme, de jus de citron et des fruits et légumes. Grace aux prêts kiva qu’elle a bénéficiés, Lolly progresse bien et change constamment ses conditions de vie et de travail. Elle renouvelle sa demande de prêt pour acheter encore plus de produits afin de continuer dans cette bonne dynamique.
Fansoto is a nonprofit microfinance institution based in Senegal that focuses on serving populations that are excluded from the traditional financial system, including vulnerable and underserved population groups. Alongside financial services, Fansoto provides trainings for their clients on a variety of themes, including financial education, economics, health, family, agriculture, and the environment. Fansoto will use Kiva financing to offer loans to underbanked populations in Senegal working in small enterprises, agriculture and livestock.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
Loan tags help lenders find loans that match certain areas of interest.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
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Agree Use a Free TrialYour free credit can't be applied to this loan. If you would like to make a loan to this borrower anyway, you will have to use your own money.
Lend Anyway Find an Eligible LoanFree Trials cannot be used to make loans during their private fundraising period on Kiva. If you would like to lend to this borrower anyway, you will have to use your own money.
Agree Find an Eligible Loan