Why Microloans?
Microloans are one of the most effective ways to create lasting change. Instead of giving a handout, we provide small loans that help people start or grow businesses, creating sustainable livelihoods and economic opportunity.
When the loan is repaid, we reinvest in another entrepreneur—so one loan can help dozens of people over time.
Last updated: January 31, 2026
How It Works
We Fund Loans
We browse Kiva.org and select entrepreneurs in developing countries who need funding for their businesses.
They Build Businesses
Entrepreneurs use the loans to buy inventory, equipment, or expand their operations—creating income and jobs.
Loans Get Repaid
As businesses succeed, entrepreneurs repay their loans over time with an average 97% repayment rate.
We Reinvest
When loans are repaid, we reinvest the money into new entrepreneurs—multiplying the impact.
Top Sectors
1,117 loans
931 loans
858 loans
367 loans
282 loans
218 loans
Top Countries
+ 76 more countries
Join Our Lending Team
Join us in funding entrepreneurs around the world. Loans start at just $25.
Join the Team on Kiva