1. Connecting people through lending for the sake of alleviating poverty December 2009

2. Where are we today?Kiva’s combines 2 powerful forces to achieve mission Power of Internet to connect people Power of Microfinance to alleviate poverty + = Through field work, Kiva Fellows strengthen connections between Kiva’s stakeholders in order to alleviate poverty

3. Kiva Core Beliefs Vision Everyone connected. Everyone empowered. Mission Connecting people through lending for the sake of alleviating poverty. Core Beliefs Power of Microfinance Partner Relationships Transparency Spread of Technology Lending is Connecting Sustainability Industry Inclusion

4. Key Stakeholders of the Kiva Fellow

5. Key Stakeholders of the Kiva Fellow

6. Kiva Homepage: www.kiva.org 6

7. A simple story: this is a real person!

8. From Everyday Survival to Planning for the Future Access to financial services Increase & diversify incomes Build assets Courtesy of CGAP: Consultative Group to Assist the Poor, http://www.cgap.org/direct/ Mitigate risk Plan for the future Make choices Increase food consumption Invest in education & health Invest in housing, water, sanitation

9. Power of Microfinance Microfinance means building financial systems that serve the poor Poor people need a variety of financial services 9 Savings Loans Right Product Right Price Right Time Insurance Cash Transfer Services

11. Where possible, such services should be coupled with building savings.Microcredit is not always the answer. Microcredit is not the best tool for everyone or every situation.

12. Regulatory Environments Interest rate ceilings hurt poor people by making it harder for them to get credit The role of government is to enable financial services, not to provide them directly 11

13. Sustainability & Transparency Microfinance is about building permanent local financial institutions Microfinance can pay for itself, and must do so to reach very large numbers of poor people The key bottleneck is the shortage of strong institutions and managers Donations and subsidized funds should complement private capital, not compete with it Microfinance works best when it measures - and discloses - its performance. 12

14. Kiva 101: How does it work? Online marketplace Local Partner (MFI) Entrepreneur Internet Lender Money Information

15. How Kiva tries to make it “Fun” Rich user generated content, changing fast... 14 Real time un-edited progress updates from around the world… Loans are fully funded in hours (MFI staff love this)… ‘Popular’ entrepreneurs rapidly rise to the top… Transactions happen every 37 seconds… Randomized “1 minute of fame “ for Lenders…

16. 15 How Kiva tries to make it “Easy” Designed for everyday people, not affluent experts “I can see the person I’m lending to…” Low cost to entry Quick and easy checkout Business relationship based on mutual dignity, not pity

17. Where does Kiva work? Kyrgyzstan Afghanistan Azerbaijan Tajikistan Ukraine Bosnia Lebanon Palestine Mali Mexico Philippines Iraq D.R. Senegal Vietnam Sierra Leone Honduras Cambodia Rwanda Kenya El Salvador Uganda Guatemala Ghana Nicaragua Togo Peru Benin S.Sudan Cameroon Indonesia Bolivia Tanzania Paraguay Samoa Mozambique

19. Risk: 3.5% delinquency rate / < 0.5% default rate

20. MFI Portfolio: 100+ MFIs in 42 countries. Growing 3 a month.

21. Traffic: 100,000 site visitors a week.

22. Organization:40 employees / +450 volunteers

24. High-level proficiency in a foreign language

25. Excellent writing skills in English

26. Ability to commit to two hours per week for three months as a volunteer

28. Improve language skills

29. Form a network of volunteers

30. Build your resume

31. Language needs include:

32. Bahasa Indonesia

33. French

34. Mongolian

35. Portuguese

36. Russian

37. Spanish

38. Vietnamese

40. Fluent language skills

41. Backgrounds in economics, finance, and international development

42. Overseas experience

43. Excellent writing abilities

44. Knowledge of various web applications

45. Problem solving skills

46. A high level of self motivation

47. Ability to fundraise for their trip

48. Fellowships last 10 weeks to one year in the field

49. Upcoming application dates are:

50. KF7 – Nov 1, 2008

51. KF8 – Mar 1, 2009

52. KF9 – July 1, 2009

53. KF10 – Nov 1, 2009

54. To apply, go to our website www.kiva.org/fellows

56. Chronicle the lives of the working poor

57. Assist a Microfinance Institution

58. Forge the Kiva relationship with the Microfinance Institution“Revolutionising how donors and lenders in the US are connecting with small entrepreneurs in developing countries.”

59. How to Apply! www.kiva.org/volunteer/ Kiva Translators: send an email of interest Kiva Fellows: submit an online application 20