Updated on April 3, 2022


Created on September 13, 2017


Upcoming Update

Kiva is a non profit that is attempting to enable access to lending by crowd funding loans.

Developed By Unknown
Content Partners


Product Description

Kiva provides micro-loans directly or through partners to enable low income individuals access to capital that they would not otherwise have.

Kiva is a 501(c)3 U.S. nonprofit

Distributors / Implementing Organizations

- Kiva - Field Partners

Manufacturing/Building Method

A large amount of Kiva is open source and is published on GitHub. They also have a blog for their build/engineering team.

Intellectural Property Type


User Provision Model

Borrower's can sign up directly on Kiva's site or through field partners in their local region. Lender's can find a project or borrower and sign up on the Kiva site.

Distributions to Date Status

From their impact page: - 2.9 million borrowers - 1.7 million lenders

Design Specifications

Kiva attempts to be very transparent. They have a detailed page on the loan process as well as their financials. Their technology platform is a combination of open source and licensed software. Siftery has detailed information about the technology they utilize. They publish detailed information on their API and how to integrate it into your application. Kiva labs attempts solve global issues by funding risky ideas to tackle issues that are impacting undeserved populations.

Technical Support

Technical support is provided by Kiva.

Replacement Components




Manufacturer Specified Performance Parameters

From Kiva's about page: "Kiva is an international nonprofit, founded in 2005 and based in San Francisco, with a mission to connect people through lending to alleviate poverty. We celebrate and support people looking to create a better future for themselves, their families and their communities."

Vetted Performance Status

From Kiva's impact page: - $1 billion dollars in loans - 2.5 million borrowers - 1.6 million lenders - 84 countries - 81% of borrowers are women


Not applicable

Complementary Technical Systems

Statistical analysis software (Stata, R, etc.)

Academic Research and References

  1. Gajjala V, Gajjala R, Birzescu A, Anarbaeva S. Microfinance in online space: a visual analysis of kiva.org. Development in Practice. 2011;21(6):880–893.
  2. Choo J, Lee C, Lee D, Zha H, Park H. Understanding and promoting micro-finance activities in Kiva.org. Proceedings of the 7th ACM international conference on Web search and data mining – WSDM 14. 2014.
  3. Liu Y, Chen R, Chen Y, Mei Q, Salib S. “I loan because…”. Proceedings of the fifth ACM international conference on Web search and data mining – WSDM 12. 2012.
  4. Hartley SE. Kiva.org: Crowd-Sourced Microfinance and Cooperation in Group Lending. SSRN Electronic Journal. 2010.
  5. Megan Moodie, Microfinance and the Gender of Risk: The Case of Kiva.org, Signs: Journal of Women in Culture and Society 38, no. 2 (Winter 2013): 279-302.
  6. Schwittay AF. Making Poverty Into A Financial Problem: From Global Poverty Lines To Kiva.org. Journal of International Development. 2013;26(4):508–519.

Compliance with regulations

According to their Terms of Service and Privacy Policy, Kiva is in compliance with all local laws and regulations.

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