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Loans that change lives and help communities thrive

See how Kiva and Cisco are reshaping access to financial services around the world, connecting people to opportunity through lending to alleviate poverty.

Connecting borrowers and lenders

In the 14 years since its launch, Kiva has catalyzed an ecosystem of support, lending more than US$1.3 billion dollars to 3 million micro-entrepreneurs—80% of whom are female—around the world.

3.1M

borrowers

81

countries

1.8M

lenders

Financial inclusion, empowerment, and equitable opportunities

More than 2.5 billion people around the world do not have access to a bank account or a predictable source of income, with many living at or below the poverty line. Kiva’s mission is to expand financial access to help underserved communities thrive—creating opportunity and reducing poverty.

Kiva reshapes access to financial services around the world by providing an online, crowdsourced, peer-to-peer lending network for underserved individuals globally—empowering people to change the trajectory of their lives and their communities.

Kiva’s microloans allow farmers to invest in equipment, families to pay for emergency care, students to pursue higher education, and entrepreneurs to start the businesses of their dreams and create jobs. In breaking down the barrier to accessing financial services, Kiva creates a ripple effect that stretches around the world. 

One of the real hopeful things about the age that we live in is that new norms and new technologies can create opportunities for really entrepreneurial folks to pursue their dreams and to make money for themselves and their families.

Premal Shah, Co-Founder and Senior Advisor, Kiva

Technology enables lending to the underserved

Since 2015, Cisco has supported multiple Kiva initiatives. Cisco helped Kiva develop new types of financial products across multiple industries, from water and sanitation to higher education and agriculture. Kiva even uses Cisco switches, routers, IP phones, and access points as the foundation to its IT infrastructure.

By designing and testing financial services in unproven sectors, Cisco and Kiva delivered high-impact products to underserved communities, ensuring these solutions are both financially viable and highly impactful.

With Cisco support, Kiva brought its global program to the United States, where small businesses create two out of every three new jobs, but 70% of loan applications are rejected.

Cisco provided seed funding to develop and test Kiva’s model in the U.S., providing zero percent interest loans directly to low-to-moderate income U.S. entrepreneurs who have not been able to get a loan from conventional lenders. Kiva U.S. is now fully integrated within the Kiva platform. Kiva U.S. borrowers include women, veterans, minorities, and other entrepreneurial individuals around the U.S.

 

US$1.3B loaned, 81 countries

Because Kiva loans have a 97% repayment rate, lenders can re-loan to other borrowers to continue the cycle of change globally.

Universal dreams and opportunity

Kiva’s commitment to providing global access to financial services is changing lives, one loan at a time.

Lending teams are self-organized groups built around common interests, affiliations, or location. Since its establishment in 2008, Cisco's Kiva lending team has made more than 2800 loans, totaling nearly US$85K in countries around the world, supporting loans in agriculture, retail business, services, education, and more.