Microfinance Lending Platforms

Kiva – Kiva is the world’s first person-to-person micro-lending website, empowering individuals to lend directly to entrepreneurs in the developing world. Kiva is one of the largest microfinance sites, lending almost 400 million dollars to date.  The people you see on Kiva are real individuals in need of funding – not marketing material. When you browse entrepreneurs’ profiles on the site, choose someone to lend to, and then make a loan (via PayPal), you are helping a real person make great strides towards economic independence and improve life for themselves, their family, and their community.  One hundred percent of the money you lend goes toward administering loans.  Kiva’s lending program is a great way to see the real impact your loan can make.  It’s a much more effective process when the lender can see what their loan is actually doing.  Additionally, you can choose to lend to someone whose interests match up with yours.  All Kiva borrowers have been screened by local field partners for eligibility before being featured on the website.  Throughout the course of the loan, you can receive email journal updates and track repayments. Then, when you get your loan money back, you can relend to someone else in need.  Upwards of eighty percent of Kiva users choose to relend.  Kiva’s repayment rate of 98% is very high, higher than most commercial banks in the United States.  As with any loan, if you are nervous about getting repaid, you can always diversify your loan through a few different borrowers.  Additionally, if you are nervous about lending in certain regions of the world, you can always choose a borrower in a different one.  Kiva also keeps the funds for loans in a separate account than the funds for business operations.  Therefore, if something were to happen to Kiva, creditors would not have access to the lending funds.  Kiva is a great place to lend money because you get updates from your borrowers.  Kiva really connects the user with the mission of microfinance.

LendForPeace -LendforPeace.org is a not-for-profit Internet platform that allows individuals like you to make small loans to specific micro-entrepreneurs in the Palestinian Territories, helping to create economic and political stability in this region.  Founded by two Jews and two Palestinians, LendforPeace.org was created to enable people of all faiths and backgrounds to make a tangible difference in the Israeli-Palestinian conflict.  The founders believe that economic and social inequality are the two main inhibitors in sustainable peace between Israel and Palestine.  Fifty percent of individuals in this region live below the poverty line, despite a highly educated and entrepreneurial workforce.  Additionally, less than twenty percent of Palestinians qualify for traditional forms of credit.  The lending on this site is done through Kiva, and it focuses on entrepreneurs on the West Bank and Gaza Strip.  Since the lending here in done through Kiva, this platform has many of the same positive aspects that Kiva does, such as a high repayment rate and many borrowers to choose from.  Check out this site if you’re interested in making a difference in the Israel-Palestinian conflict!

Microplace -– MicroPlace’s mission is to help alleviate global poverty by enabling everyday people to make investments in the world’s working poor. Over the course of a year, the average person invests much more money than they donate.  Therefore, investment portfolios can be a powerful source of capital for microfinance projects.  You can easily designate a small percentage of your investment portfolio to go towards microfinance instead of stocks or private equity.  Through MicroPlace, an investor can make investments that earn financial returns while having a positive social impact.  MicroPlace gives your money to issuers who in turn finance projects on the ground.  These issuers closely evaluate and monitor the ability of their microfinance projects to pay back their loans, reducing the risk for you as lenders.  Unlike with Kiva, you actually earn interest on these loans, as paid back to you by the issuers.  You lend through PayPal, and you will receive quarterly interest payments made to this account.  Also, you will receive quarterly financial statements concerning your portfolio.  Once your investment matures, you can choose to get your money back or roll it over into another investment.  As with any investment, there are risks involved.  Security issuers on MicroPlace mitigate risk by working with microfinance projects that have a good track record, diversifying funds to several projects to spread out risk, and maintaining rainy day reserves in case some projects do not pay back. So far, none of MicroPlace’s issuers has ever failed to repay an investor.  MicroPlace is a good place to positively impact the world and earn a return on your investment.

MyC4 – MyC4 focuses on lending to small business owners in Africa, where the economy is rapidly growing but more than 380 million people do not have access to a bank.  If an entrepreneur needs money in Africa, they go to a MyC4 to present their project, what resources they will need, and how much they will pay in interest.  The MyC4 partner then makes a thorough evaluation of the business to make sure it provides healthy economic prospects for growth and can repay the loan and costs.  The due diligence process includes a background check, checking the businesses track record, and seeing if the business conflicts with the vision and mission of MyC4.  If the loan is approved by the MyC4 partner, it is uploaded to the marketplace for users to view.  There is an auction where you can choose the amount you want to lend and the interest rate, known as a Dutch Auction where the investors compete for the bid.  You do not have to lend the entrepreneur the full amount; you can split the loan among a few people.  You can start off lending as little as five euros.  Everyone from individuals to financial institutions can lend through MyC4.  Additionally, if you’re short on time you can set up automatic bids for projects.  Or, choose to give a loved one a MyC4 giftcard!  Normally, the people who offer the lowest interest rates end up lending money to the business when the auction is over.  As the business grows, the entrepreneur starts paying back the loan with interest.  Once your loan is paid back with interest, you can take your money or relend it to another entrepreneur.  You can easily track your loans on the “My Account” tab.  Also, MyC4 keeps an up to date blog with company and industry information, including the reasons why loans are defaulting in some regions if this were to occur.  To date, 19,337 investors from 117 countries have lent 17,275,097 euros to 10,564 small businesses in seven African countries.

myELEN.com – Based out of Prague, project myELEN.com – Electronic Loan Exchange Network – opens to European capital a new alternative to investment. Now in its sixth year of business, myELEN focuses on lending in Brazil, Bolivia, Mexico, Turkey, and the Czech Republic.  Through the portal myELEN.com everyone can fund a chosen borrower, a whole group of them or directly a microfinancial institution that procures financing . Moreover, everyone can fund now a poor entrepreneur and get back the principal together with firmly determined interest.

OptINnow – a new initiative from Opportunity International that pledges to end global poverty faster. How? You give a gift that funds a loan. That loan builds a business. And that business helps hard working families out of poverty. Opportunity offers a mix of loan products, including individual loans, group loans, and loans tailored to clients in the areas of education and agriculture.  A typical first point of entry, especially for women, is the Trust Group, which brings together 10 to 30 entrepreneurs who elect leaders, receive training, and pledge to guarentee each other’s loans.  This model also strengthens the community, calling upon group members to support each other and encourage each other’s success.  When the loan is repaid, it’s recycled, and loaned again and again. It’s giving that keeps going.

United Prosperity -United Prosperity presents you the opportunity to directly help poor entrepreneurs and transform the lives of their families and communities.  You select the entrepreneur to support and each dollar you contribute acts as collateral or a loan guarantee with a bank.  Based on the guarantee, the bank makes a loan of nearly 2 dollars to the entrepreneur through a partner Microfinance Institution.  The Guarentee-Loan-Impact model manages some of the risks associated with international lending, including mitigating currency risk and providing loan monitoring.  Once a guarantee has been made, the entrepreneur’s progress can be tracked online.  On loan repayment, you get your money back and you can choose to recycle it by guaranteeing the loan to another entrepreneur. Since their launch in May 2009 and as of June 2010, 850 families have received $165,000 in loans.

Veecus – Veecus is an interactive platform allowing all members of the network to browse projects of microentrepreneurs and personal pages of users and lenders. Projects are mainly focused in Cameroon, India, Cambodia, and Guatemala.  You pay a membership fee the first time you lend, and after that you can freely lend to all the different projects.  Veecus also provides you with your personal space online and your own blog.  You can show the collection of loans you fund to your friends, and highlight ones that are of special importance to you.

Vittana – Believe it or not, in most countries, college loans just don’t exist. Imagine: No matter how smart you were, how hard you worked or how good your grades were, if you didn’t have a bunch of money up front, you just couldn’t go to college. Your ability to raise a family, move up in the world and achieve your potential are forever limited, not because you didn’t have that potential but because you never got a chance. Together, we’re changing that.  Vittana’s mission to graduate a generation beyond poverty through the power of education.  They enable anyone with $25 to lend directly to ambitious students in the developing world.  When you lend, 100% of your money goes directly to the students, and more than 99% of students repay their loans upon graduation.  Vittana exits because in many places student loans so not.  In many cases, they are kept from their dreams by only a few hundred dollars.  After graduation, the average Vittana student triples their earning power.  Vittana works with carefully selected partners in more than a dozen countries.  These partners work to find students who are motivated to continue their education and they help to prepare them for success.

Zidisha Microfinance – Zidisha is an innovative nonprofit that lets ordinary web users make microloans to entrepreneurs around the world. Zidisha streamlines the ability of third-world entrepreneurs to secure start-up funds for their businesses at an average interest rate of 8% versus the 30% to 100% rates for other microfinance loans. Like eBay, Zidisha links borrowers and lenders directly, dramatically lowering interest rates. Unlike other internet microfinance websites that simply allow web users to fund microfinance programs, Zidisha offers the ability to interact directly with the entrepreneurs.  Lenders can post questions and comments, while borrowers share the progress of their micro investments and let lenders know about the impact that their microfinance investing provides. Zidisha’s peer-to-peer microlending model reduces the cost of loans.  The lower microfinance interest rates translate into larger profits for the entrepreneurs-profits that go directly towards the well-being of their families and their communities. Lenders propose their own interest rate for the funds that they offer to loan.  Loans are repaid in monthly installments and can be reinvested immediately.  Most entrepreneurs pay at least 20% less in fees with Zidisha versus a standard microfinance institution. If any Zidisha member in not completely satisfied with their performance, they will immediately refund 100% of the lender credit uploads, donations, and services fees paid by that members-even if the loans funded with the lender credit have not yet been repaid to Zidisha.

If there are any other microfinance platforms or resources that you think should be on here, feel free to email: “jerryostradicky (AT) g m a i l (DOT) c o m”

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  • I would like to provide some feedback based on my personal experience:
    MyC4 I used the platform and while it is still early to say the forum is full of complaints re: delinquency rate. One of their major providers from Kenya, Ebony, has been suspended by Kiva. The previous investments in Cote d’Ivoire (according to the forum) are lost forever.

    There is a huge delay between the payment date (when your credit card is debited) and the loan start date. The site has a *very* complex calculation system to determine the interest rate. It is archaic (at best). You are asked to evaluate the inflation rate in african countries (loan is disbursed in local currencies) and to pay local withholding taxes and an unfair (again, this according to other users on the forum) exchange fee. All in all the site is not clear as it confuses users between doing good for africa and gaining a return. Kiva is miles ahead in terms of transparency.

    In MyC4 several users claim that they actually lost money (even by charging interest) due to the currency fluctuation and rampant delinquency rate. In terms of usability the site leaves a lot to be desired too – unless you use firefox or IE you will have an annoying notice to change browser (why that? it works perfectly with Safari and other browsers too).

    The company makes money on your transaction fee (credit card) or at least it charges fees that Kiva doesn’t change. All in all the system is not stable enough and, beside you really want to make a donation to them (and not necessarily to the beneficiary) or willing to take an unnecessary risk you should stay away. Microplace is only for americans but again it is way better. How would someone know the currency issues in places like Congo and Uganda and why the burden should be on the user?

    Veecus
    I am not sure about this provider. They work only with 1 MFI from Congo. The loans appear to be out of proportion (800-1000 Euro?) and their profit model is not transparent at all “Veecus gets revenue from membership fees paid by Veecus lenders on the very first loan, and a volume-based fee paid by microfinance institutions once they have received funds for microentrepreneurs’ projects.”

    How high is the fee?
    Not promising at all.

    I wouldn’t recommend either of these platforms.

  • I was actually too quick on judging MYC4 – my bad. I have now amended my review
    in my blog.

    The issues are indeed very different than the ones a user will experience in Kiva but that’s perhaps part of the difference: the lender is in control and has to make some tough decision to avoid losses.

  • Good stuff David, thanks for the feedback.

    Jerry

  • Your list should also include Bid Network which is in Holland, I think.

    Then there is also Rangde in India, and Zopa in the UK and the US and Opportunity International just launched an online lending platform ….

    Also, I noted today that Kiva is now offering microinvestment opps within the USA.

    Go KIVA!

    Best,
    Jami

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  • Phyllis SantaMaria

    Please add Oikocredit, originally founded in 1978, so far older than Kiva. Also add Lend with Care and Deki.

  • Steven

    What should I do to access your service, Im in Zambia and my email is steven@drillmechzambia.com

  • charlotte

    Hi! What about Babyloan ? :)

  • Justin

    What about the ones that don’t require you to let them keep the interest paid? Ones where you make a microloan investment and get to keep the interest like “Prosper”?

    https://www.prosper.com/account/common/lender_register.aspx

    Is there a list of places you can use as an investment to both help people and yourself instead of just the company that’s acting as intermediary?

    Is there a list of proven microloan businesses that do not rip you off?

  • Moses

    I would like to get in touch with you guys. Find our work http://www.communityfinanceltd.com
    Thank you

  • mom

    I don’t think you should loan babies

  • Ramisajaona Jean-luc Olivier

    Dear Madam/Dear Sir,

    Please be informed to the attachment.

    Letter partnership proposal (shareholder)

    Author: Ramisajaona Jean-Luc Olivier – the
    prinncipal Fitiavana of transportation

    E-mail: inforamisajaona@moov.mg

    Tel: 261328183544

    I am an entrepreneur Madagascar, my business is accepted at the International level and a group of investors in London decides funded
    my project and I am invited to Cotonou, Benin (departure date 03.15.2015)
    for the final signing of financing
    my project but I do not have the travel and hotel
    expenses. I need $15,400 for all; in
    return, I invite the holder to help
    get shareholder Fitiavana
    transportation Madagascar to ensure the smooth running of the business.

    The $15.400 will be repaid according to your company
    policy.

    Other, please let me know if you have an
    Industrial project (better assembly Automotive) compatible for Madagascar

    Note: The first appointment with the Investor was the 02/16/2015 but I
    can not find the travel and I ask him to report the date 03/15/2015. I ask for
    financial assistance because I am struggling to find the cost of the trip
    (please make informed to the attachment)

    Partnership form:

    Our partnership begins with an agreement to work together toward a common goal.

    Fitiavana transportation is aware that a significant part of its shareholders
    want dividends.

    The distribution of distributable profits or losses between shareholders
    usually takes place in proportion to the action taken by each of them in
    Fitiavana transportation.

    Fitiavana transportation offers you to become a shareholder in the company of
    10 years and Fitiavana transportation ask you to support all major expenses
    before unlocking background in Cotonou, Benin.

    Hoping you as our future shareholders in Fitiavana transportation, I beg you to
    believe, Apostrophe in the expression of my highest consideration.

    Note: It is important that I go to Cotonou, Benin to the Financing contract
    signing and we need you to help me to buy the ticket before 03.15.2015, if
    possible.

    My business is good, profitable, and I’m honest.

    I hereby declare the accuracy of my information.

    For more information, please contact me at the phone: 261328183544 or E-mail: inforamisajaona@moov.mg

    Thank you for your cooperation.

    For more information, please contact me by
    e-mail: inforamisajaona@moov.mg or by phone: 261328183544.

    Madagascar is an
    extremely poor place, with some
    90 per cent of its population of 23,201,926 (July
    2014) people
    living on less than two dollars a day but we want to change Dear
    Madam/Dear Sir.

    Best regards,

    Fitiavana transportation

    Jean-Luc Olivier Ramisajaona |
    Chairman & Social Entrepreneur

    Madagascar, Indian/Mahajanga

    Mobile/SMS: 261328183544

    E-mail: inforamisajaona@moov.mg

  • Ramisajaona Jean-Luc Olivier

    Dear Madam/Dear Sir,

    Please be informed to the attachment.

    Letter partnership proposal (shareholder)

    Author: Ramisajaona Jean-Luc Olivier – the
    prinncipal Fitiavana of transportation

    E-mail: inforamisajaona@moov.mg

    Tel: 261328183544

    I am an entrepreneur Madagascar, my business is accepted at the International level and a group of investors in London decides funded
    my project and I am invited to Cotonou, Benin (departure date 03.15.2015)
    for the final signing of financing
    my project but I do not have the travel and hotel
    expenses. I need $15,400 for all; in
    return, I invite the holder to help
    get shareholder Fitiavana
    transportation Madagascar to ensure the smooth running of the business.

    The $15.400 will be repaid according to your company
    policy.

    Other, please let me know if you have an
    Industrial project (better assembly Automotive) compatible for Madagascar

    Note: The first appointment with the Investor was the 02/16/2015 but I
    can not find the travel and I ask him to report the date 03/15/2015. I ask for
    financial assistance because I am struggling to find the cost of the trip
    (please make informed to the attachment)

    Partnership form:

    Our partnership begins with an agreement to work together toward a common goal.

    Fitiavana transportation is aware that a significant part of its shareholders
    want dividends.

    The distribution of distributable profits or losses between shareholders
    usually takes place in proportion to the action taken by each of them in
    Fitiavana transportation.

    Fitiavana transportation offers you to become a shareholder in the company of
    10 years and Fitiavana transportation ask you to support all major expenses
    before unlocking background in Cotonou, Benin.

    Hoping you as our future shareholders in Fitiavana transportation, I beg you to
    believe, Apostrophe in the expression of my highest consideration.

    Note: It is important that I go to Cotonou, Benin to the Financing contract
    signing and we need you to help me to buy the ticket before 03.15.2015, if
    possible.

    My business is good, profitable, and I’m honest.

    I hereby declare the accuracy of my information.

    For more information, please contact me at the phone: 261328183544 or E-mail: inforamisajaona@moov.mg

    Thank you for your cooperation.

    For more information, please contact me by
    e-mail: inforamisajaona@moov.mg or by phone: 261328183544.

    Madagascar is an
    extremely poor place, with some
    90 per cent of its population of 23,201,926 (July
    2014) people
    living on less than two dollars a day but we want to change Dear
    Madam/Dear Sir.

    Best regards,

    Fitiavana transportation

    Jean-Luc Olivier Ramisajaona |
    Chairman & Social Entrepreneur

    Madagascar, Indian/Mahajanga

    Mobile/SMS: 261328183544

    E-mail: inforamisajaona@moov.mg

  • Ann

    myelen.com is a scam.

  • Kali

    This guy at myelen.com, Tomas Hes is chronically impotent.

  • bgbbff

    Why is that?

  • bgbbff

    What happened?

  • Robert Downey Jr.

    Capital Hills Finance Group aims to focus on project owners and general business intermediaries. Capital Hills Finance Group brings together and manages a multi-billion dollar portfolio of local, regional, and international investments, we want to re-invest through the financing of projects in the provision of investment funds or loan to third party investors on short,medium and long-term projects. In addition to lending to private and public companies and individuals, we are also known to provide funds and become silent partners. We offer two methods of financing. Firstly, offering a loan (credit) at an interest rate of 3%. Secondly, by providing funds and being recognized as silent partners in the formation of joint ventures. If you are interested in any of our offers, you can get back to us, and we will start the necessary documentation depending on the funding option of your choice.
    We invite all interested project owners and innovators. We provide unsurpassed services and we will be happy to share our working procedures to you upon request, to help us begin negotiations efficiently.

    Robert Downey Jr.
    Administrative Manager
    Capital Hills Finance Group
    One College Hill, London, EC4R 3RA
    contact@capitalhillsfinance.com

  • kennethraymond

    DO YOU NEED A GENUE LOAN LENDER OR DO YOU NEED A LOAN CONTACT US NOW AT Adamfredloanfirm@gmail.com

  • StaratS

    Please, does Capital Hills Finance Group provides fund or credit loan to startups in Africa?, I wait your response.

    Thanks,
    ikechukwunwakpu@gmail.com

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