NGO Private debt

User Profile

Kiva is an international nonprofit, founded in 2005 and based in San Francisco, that celebrates and supports people looking to create a better future for themselves, their families and their communities. We exist to connect and empower them, one loan at a time. By lending as little as $25 on Kiva, anyone can help a borrower start or grow a business, go to school, access clean energy, or realize their potential. For some, it’s a matter of survival, for others, it’s the fuel for a life-long ambition. 100% of every dollar individuals lend on Kiva goes to funding loans. Kiva covers costs primarily through optional donations, as well as through support from grants and sponsors.


Kiva collects IRIS metrics for two main purposes: 1) evaluating potential partners and 2) monitoring existing partners. Kiva collects a list of both financial and impact metrics at the outset of a new partnership during the diligence process and on an ongoing basis to assess current partners' risk and impact. Ongoing monitoring occurs every 1-2 years, depending on the particular metric. Kiva uses these metrics (among others) as inputs for its proprietary Risk Model and Impact Assessment.

Other Impact Measurement Tools

Kiva recently developed a holistic Impact Scorecard to assess impact of its partners. The Impact Scorecard has three components: 1) Impact Assessment survey that assesses social and environmental best practices (primarily using IRIS metrics); 2) Poverty Targeting Analysis tool that utilizes the Multidimensional Poverty Index to assess how well a partner is targeting areas of highest need; and 3) Loan Product Impact Analysis that evaluates loan product attributes against the evidence base for the relevant sector.