Apresentação do painelista Kathleen Bennett (Kiva) durante a "Objetivos de Desenvolvimento Sustentável na luta global por um mundo melhor e mais justo".
9. 9
1,3 milhões de
emprestadores Kiva em
190+ países
US$770 milhões
empréstimos a
1,6 milhões de mutuários
98,7% taxa de
reembolso
296 Parceiros em
86 países
Alcance global
(Dados de maio de 2015)
Peru
Bolívia Paraguai
México
Guatemala Honduras
Equador
Haiti República
Dominicana
Senegal
Serra Leoa
Gana
Togo
Nigéria
RDC
Camarões
Moçambique
Tanzânia
Sudão do Sul
Uganda
Quênia
Nicarágua
Líbano
Albânia
Ucrânia
Azerbaijão Tajiquistão
IraquePaquistão Nepal
Camboja Vietnã
Samoa
Indonésia
Burkina Faso
Mali
Ruanda
Filipinas
Mongólia
Costa Rica
Estados Unidos
Quirguistão
Libéria
Armênia
Colômbia
Chile
El Salvador
Congo
África do Sul
Zimbábue
Malawi
Geórgia
Turquia
Belize
Palestina
Israel
Jordânia
Kosovo
Índia
Timor-Leste
Tailândialêmen
Benin
Burundi
Botsuana
Namíbia
Brasil
Mauritânia
Panamá
Suriname
Vanuatu
Costa do Marfim
Zâmbia
Papua Nova Guiné
Afeganistão China
Egito Laos
Madagascar
Myanmar
Moldávia
Ilhas Salomão
Somália
São Vicente e Granadinas
Tunísia
Lenders have the ability to select the social cause, geographic region, or economic sector that matters most to them. Maybe you care more about making loans for education. Maybe you prefer to lend to single mothers. Maybe you prefer to only lend to your own country- to borrowers here in Brazil. Kiva enables you choose where to make an impact: whether you lend to friends in your community, or people halfway around the world (and for many, it’s both), Kiva creates the opportunity to play a special part in someone else’s story.
And here’s the most fundamental aspect of the Kiva model – Kiva loans are made at 0% interest. This is why we call the people who make loans on Kiva’s website not simply Kiva lenders, but “social investors,” because they’re interested not in a financial gain, but in a “social gain.” Think of it as a 0 return impact investment.
Repayment rate: 98.48%
Kiva loans aren’t only 0% interest, they’re also risk tolerant – and by that I mean, if a borrower doesn’t pay back a Kiva field partner, then the Kiva field partner doesn’t pay back Kiva’s social investors. This is really important.
Why?
Kiva’s field partners are expected to use Kiva’s interest free, risk tolerant capital, to create high impact and innovative credit products to better serve poor, vulnerable, or excluded populations.
Kiva Field Partners loans often come with savings and micro-insurance programs, and non-financial services like business and financial literacy education; hands-on job and skills training for the local market; free health, dental and gynecological services for clients and their families; leadership and women’s empowerment services; discounts on inputs like fertilizer and seeds; organic and fairtrade certifications; and access international markets – a handful of different services, each designed specifically for the market-context to complement a micro-loan, creating a truly life-changing package for a Kiva borrower.
So it’s clear that a Kiva loan isn’t only about money, but also social, environmental, and economic components that work.
Let’s talk quickly about the Development Goals. First of all, gender equity. 75% of Kiva loans go to women.
Women, who own 60% of microenterprises globally, women, whose hands perform 66% of the world's work, who produce 50% of the world's food. Yet, women bear 70% of the world's poverty, earn only 10% of the world's income, and own only 1% of the world's land.
Since Kiva's inception, over 1.3 million women in 86 countries have received more than $525 million in crowdfunded capital.
When you lend to a woman you can set off an amazing chain reaction:
Women reinvest 80% of their income in the health and well-being of their children.
Daughters of economically empowered mothers are more likely to follow in their footsteps.
A child, regardless of gender, born to a mother who can read is 50% more like to live past age 5.
For girls, every additional year of school increases her future earning potential by 20%.
In 2015 alone, Kiva is on-track to raise more than $100 million in crowdfunded loans for over 250,000 women.