Kiva: prestiti umanitari

Oggi vi voglio parlare di KIVA.

Kiva nasce nell'ottobre del 2005 dall'idea della coppia Matt Flannery and Jessica Jackley in seguito ad un seminario frequentato nel 2003 riguardante la Grameen Bank di Muhammad Yunus presso la Stanford Business School. Kiva significa "unità" in swahili.

Kiva consente alle istituzioni che si occupano di dare dei microfinanziamenti, chiamate "Field Partners", di postare dei profili contenenti foto, nome della persona, luogo e oggetto del finanziamento riguardanti i propri impenditori sulla pagina web di Kiva.: www.kiva.org.
Coloro che desiderano dare in prestito dei soldi (noi) possono così scegliere a chi darli, sapendo esattamente cosa andranno a finanziare. Kiva quindi riceve i soldi dai singoli "donatori" (noi), li distribuisce ai vari partners siti nei paesi del terzo mondo, chiamati "Field partners", che a loro volta li distribuiscono ai vari imprenditori locali che sono stati scelti per essere gli assegnatari.
Quando l'imprenditore ripaga il proprio finanziamento, i "field partners" raccolgono i soldi, li inviano a Kiva che a sua volta li fa tornare nel portafoglio del finanziatore (noi) per essere , eventualmente, riassegnati in un secondo momento a qualcun'altro o semplicemente per tenerseli, sapendo di avere contribuito al benessere di un imprenditore e della sua famiglia in un paese del terzo mondo.

 I soldi passano per Pay Pal che in questo caso rifiuta di fare pagare delle tasse su tali transazioni, questo al fine di agevolare gli imprenditori naturalmente. Tuttavia i "Field partners" cioè le organizzazioni umanitarie site nel terzo mondo che scelgono i vari imprenditori, le fanno pagare ed a volte sono talmente salate, da diventare un vero e proprio strozzinaggio. Kiva si difende dicendo che non collabora con dei partners strozzini, tuttavia vi metto la tabella di quelli con cui nn bisogno collaborare.
 Taluni ritengono che le rate d'interesse delle istituzioni che danno i microcrediti sono irragionevolmente alte, mentre Muhammad Yunus, nel suo ultimo libro sostiene addirittura che le istituzioni che fanno pagare più del 15% dovrebbero essere multate.

Field Partner[40]	Region	Interest Rate %	Status	Correct on
Ariana Financial Services Joint Stock Company (AFS), a partner of Mercy Corps	Afghanistan	36.00	Active	January 7, 2010
Aqroinvest Credit Union	Azerbaijan	19.00	Active	January 7, 2010
Alidé	Benin	31.00	Active	January 7, 2010
Emprender	Bolivia	52.00	Active	January 7, 2010
Fundación Agrocapital, a partner of ACDI/VOCA	Bolivia	23.00	Active	January 7, 2010
IMPRO	Bolivia	19.00	Active	January 7, 2010
Pro Mujer Bolivia	Bolivia	30.00	Active	January 7, 2010
Zene za Zene, a partner of Women for Women International	Bosnia and Herzegovina	28.00	Paused	January 7, 2010
AMK	Cambodia	37.00	Active	January 7, 2010
CREDIT, a partner of World Relief	Cambodia	29.00	Active	January 7, 2010
Hattha Kaksekar Limited (HKL), a partner of Save the Children	Cambodia	29.00	Active	January 7, 2010
MAXIMA Mikroheranhvatho Co., Ltd.	Cambodia	30.00	Active	January 7, 2010
Grounded and Holistic Approach for People's Empowerment (GHAPE)	Cameroon	18.00	Active	January 7, 2010
HOPE DRC, a partner of HOPE International	Democratic Republic of the Congo	80.00	Active	March 16, 2010
Esperanza International Dominican Republic, a partner of HOPE International	Dominican Republic	42.00	Active	January 7, 2010
Apoyo Integral	Ecuador	40.00	Active	January 7, 2010
Apoyo Integral	El Salvador	32.00	Active	January 7, 2010
Christian Rural Aid Network (CRAN)	Ghana	44.00	Active	January 7, 2010
Sinapi Aba Trust (SAT)	Ghana	57.00	Active	January 7, 2010
Asociación ASDIR	Guatemala	26.00	Active	January 7, 2010
The Foundation for Assistance for Small Businesses (FAPE)	Guatemala	54.00	Active	January 7, 2010
Prisma Honduras	Honduras	44.00	Active	January 7, 2010
DINARI Foundation	Indonesia	22.00	Active	January 7, 2010
Al-Thiqa Organization	Iraq	35.70	Pilot	July 4, 2011
Iraqi Al-Aman Center/Kirkuk	Iraq	N/A	Closed	March 16, 2010
Faulu Kenya	Kenya	31.00	Active	January 7, 2010
Kenya Agency for Development of Enterprise and Technology (KADET), a partner of World Vision International	Kenya	33.00	Active	January 7, 2010
Kisumu Medical & Education Trust (K-MET)	Kenya	10.00	Paused	October 16, 2010
MCC Mol Bulak Finance LLC	Kyrgyzstan	47.30	Active	July 4, 2011
Al Majmoua Lebanese Association for Development.	Lebanon	32.00	Active	January 7, 2010
Ameen s.a.l.	Lebanon	34.00	Active	January 7, 2010
Local Enterprise Assistance Program (LEAP), a partner of World Hope International and World Relief	Liberia	64.00	Active	January 7, 2010
Soro Yiriwaso, a partner of Save the Children	Mali	24.00	Active	January 7, 2010
Admic Nacional	Mexico	69.00	Closed	January 7, 2010
Fundación para la Vivienda Progresiva (FVP), a partner of CHF International	Mexico	24.00	Active	January 7, 2010
Microinvest	Moldova	32.00	Paused	January 7, 2010
XacBank	Mongolia	25.00	Active	January 7, 2010
Patan Business and Professional Women (BPW Patan)	Nepal	17.00	Active	January 7, 2010
ADIM ADEPHCA (Association of the Atlantic Coast for the Human Advancement of Indigenous and Mestizo peoples)	Nicaragua	24.00	Active	January 7, 2010
ADIM (Asociación Alternativa Para el Desarrollo Integral de las Mujeres)	Nicaragua	55.00	Active	January 7, 2010
AFODENIC	Nicaragua	17.00	Active	January 7, 2010
CEPRODEL	Nicaragua	36.00	Active	January 7, 2010
Fundación Leon 2000	Nicaragua	36.00	Active	January 7, 2010
Lift Above Poverty Organization (LAPO)	Nigeria	60.00	Paused	May 5, 2010
Asasah, a partner of Save the Children	Pakistan	37.00	Active	January 7, 2010
Palestine for Credit & Development (FATEN)	Palestine	11.00	Pilot	January 7, 2010
Ryada, a partner of CHF International	Palestine	16.00	Pilot	January 7, 2010
Fundación Paraguaya	Paraguay	48.00	Active	January 7, 2010
Asociación Arariwa	Peru	32.00	Active	January 7, 2010
EDAPROSPO	Peru	43.00	Active	January 7, 2010
FINCA Peru	Peru	63.00	Active	January 7, 2010
Manuela Ramos / CrediMUJER	Peru	46.00	Active	January 7, 2010
Microfinanzas PRISMA	Peru	40.00	Active	January 7, 2010
Manuela Ramos / CrediMUJER	Peru	46.00	Active	January 7, 2010
Ahon sa Hirap, Inc. (ASHI)	Philippines	47.00	Active	January 7, 2010
ASKI	Philippines	50.00	Active	January 7, 2010
Community Economic Ventures, Inc. (CEVI), a partner of VisionFund International	Philippines	34.00	Active	January 7, 2010
Gata Daku Multi-purpose Cooperative (GDMPC)	Philippines	30.00	Active	January 7, 2010
Hagdan sa Pag-uswag Foundation, Inc. (HSPFI)	Philippines	32.00	Active	January 7, 2010
Paglaum Multi-Purpose Cooperative (PMPC)	Philippines	48.00	Active	January 7, 2010
Vision Finance Company s.a. (VFC), a partner of World Vision International	Rwanda	44.00	Active	January 7, 2010
South Pacific Business Development (SPBD)	Samoa	58.00	Active	January 7, 2010
Caurie Microfinance, a partner of Catholic Relief Services	Senegal	29.00	Active	January 7, 2010
Salone Microfinance Trust (SMT), a partner of ChildFund International	Sierra Leone	51.00	Active	January 7, 2010
Caurie Microfinance, a partner of Catholic Relief Services	Senegal	29.00	Active	January 7, 2010
Senegal Ecovillage Microfinance Fund (SEM)	Senegal	8.00	Paused	August 16, 2010
UIMCEC, a partner of ChildFund International	Senegal	25.00	Active	January 7, 2010
BRAC South Sudan	South Sudan	37.00	Active	January 7, 2010
BRAC Tanzania	Tanzania	37.00	Paused	January 7, 2010
Sero Lease and Finance Ltd. (SELFINA)	Tanzania	31.00	Active	January 7, 2010
Tujijenge Tanzania Ltd	Tanzania	4.00	Active	January 7, 2010
Youth Self Employment Foundation (YOSEFO)	Tanzania	31.00	Active	January 7, 2010
IMON International	Tajikstan	38.00	Active	January 7, 2010
MLF MicroInvest, a partner of ACDI/VOCA	Tajikistan	38.00	Active	January 7, 2010
MLO Humo and Partners	Tajikistan	45.00	Active	January 7, 2010
FECECAV	Togo	26.00	Active	January 7, 2010
Microfund Togo	Togo	22.00	Paused	January 7, 2010
Women and Associations for Gain both Economic and Social (WAGES)	Togo	23.00	Active	January 7, 2010
Pearl Microfinance Limited	Uganda	47.00	Active	January 7, 2010
BRAC Uganda	Uganda	48.00	Active	January 7, 2010
HOPE Ukraine/Nadiya, a partner of HOPE International	Ukraine	38.00	Active	January 7, 2010
ACCION USA	USA	12.00	Pilot	January 7, 2010
Opportunity Fund	USA	9.00	Pilot	January 7, 2010
Fund for Thanh Hoa Poor Women (TCVM), a partner of Save the Children	Vietnam	23.00	Active	January 7, 2010
SEDA	Vietnam	21.00	Active	January 7, 2010
TYM Fund

Partners di Kiva nel mondo (settembre 2006)

Statistiche Fino al 12 agosto 2011, Kiva ha distribuito dei prestiti del valore complessivo di  $233,493,400.
I "donatori" sono stati in totale: 614,671.
Sono stati finanziati 309,076 prestiti.
La media del prestito richiesto si aggira sui: $384.39.
Solitamente il 98.79% viene restituito.
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