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Lenders have the ability to select the social cause, geographic region, or economic sector that matters most to them. Maybe you care more about making loans for education. Maybe you prefer to lend to single mothers. Maybe you prefer to only lend to your own country- to borrowers here in Brazil. Kiva enables you choose where to make an impact: whether you lend to friends in your community, or people halfway around the world (and for many, it’s both), Kiva creates the opportunity to play a special part in someone else’s story.
And here’s the most fundamental aspect of the Kiva model – Kiva loans are made at 0% interest. This is why we call the people who make loans on Kiva’s website not simply Kiva lenders, but “social investors,” because they’re interested not in a financial gain, but in a “social gain.” Think of it as a 0 return impact investment.
Repayment rate: 98.48%
Kiva loans aren’t only 0% interest, they’re also risk tolerant – and by that I mean, if a borrower doesn’t pay back a Kiva field partner, then the Kiva field partner doesn’t pay back Kiva’s social investors. This is really important.
Kiva’s field partners are expected to use Kiva’s interest free, risk tolerant capital, to create high impact and innovative credit products to better serve poor, vulnerable, or excluded populations.
Kiva Field Partners loans often come with savings and micro-insurance programs, and non-financial services like business and financial literacy education; hands-on job and skills training for the local market; free health, dental and gynecological services for clients and their families; leadership and women’s empowerment services; discounts on inputs like fertilizer and seeds; organic and fairtrade certifications; and access international markets – a handful of different services, each designed specifically for the market-context to complement a micro-loan, creating a truly life-changing package for a Kiva borrower.
So it’s clear that a Kiva loan isn’t only about money, but also social, environmental, and economic components that work.
Let’s talk quickly about the Development Goals. First of all, gender equity. 75% of Kiva loans go to women.
Women, who own 60% of microenterprises globally, women, whose hands perform 66% of the world's work, who produce 50% of the world's food. Yet, women bear 70% of the world's poverty, earn only 10% of the world's income, and own only 1% of the world's land.
Since Kiva's inception, over 1.3 million women in 86 countries have received more than $525 million in crowdfunded capital.
When you lend to a woman you can set off an amazing chain reaction:
Women reinvest 80% of their income in the health and well-being of their children. Daughters of economically empowered mothers are more likely to follow in their footsteps. A child, regardless of gender, born to a mother who can read is 50% more like to live past age 5. For girls, every additional year of school increases her future earning potential by 20%.
In 2015 alone, Kiva is on-track to raise more than $100 million in crowdfunded loans for over 250,000 women.
Seminário Social Good Brasil 2015 | Kathleen Bennett
Kate Bennett, Portfolio Manager, Latin America
Social Good Conference, Florianópolis
1,3 milhões de
emprestadores Kiva em
1,6 milhões de mutuários
98,7% taxa de
296 Parceiros em
(Dados de maio de 2015)
Sudão do Sul
África do Sul
Costa do Marfim
Papua Nova Guiné
São Vicente e Granadinas