Kiva partners with established microfinance institutions with a social mission of lending to the poor. We conduct extensive due diligence on each Field Partner.
In order to become a Field Partner with Kiva, a microfinance institution must, at a minimum:
Serve at least 1,000 active borrowers with microfinance services
Have a history (at least 2-3 years) of lending to poor, excluded, and/or vulnerable people for the purpose of alleviating poverty or reducing vulnerability
Be registered as a legal entity in its country of operation
Have at least 1 year of financial audits
We also prefer an MFI have a profile on the MIX Market ( www.mixmarket.org )
For more information, please visit our Risk and Due Diligence Center:
and our Partner Information Center:
Q & A: What about the Delinquency Rates on Kiva?
Kiva defines the Delinquency (Arrears) Rate as the amount of late payments divided by the total outstanding principal balance Kiva has with the Field Partner.
Arrears can result from late repayments from Kiva borrowers as well as delayed payments from the Field Partner.
Many Kiva Field Partners have very low Delinquency Rates because of their strong credit methods including situations where borrowers are required to join borrowing support groups – which chip in when a group member is unable to repay on time.
Q & A: Optional Donations at Check-out
Kiva supports our operations through "optional fees" and donations from our lender community.
100% of every dollar you lend on Kiva goes directly towards funding loans.
Kiva does not take a fee, so we rely on small optional donations to keep our site running.
Our system automatically suggests a 15% donation on every loan, however donations to Kiva's operational expenses are completely optional, so you can choose to donate $0.00 when you lend.