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Poverty & Economic Development

Kiva

Expands financial access to help underserved communities thrive through crowdfunded microloans.

Donate at kiva.org ♡ Save to list
Founded 2005 21 years of work
Focus Global
Rating 95/100 Charity Navigator

A score of 95 out of 100 from Charity Navigator places Kiva among the most accountable, transparent, and operationally sound nonprofits in the United States.

What this charity does

Poverty alleviation charities work through a range of strategies: direct cash transfers, microfinance, vocational training, agricultural support, and community-development grants. Some of the most effective are GiveWell-recommended cash-transfer organizations that hand money directly to people in extreme poverty, letting recipients decide what they need most. Others build long-term capacity through skills training, microloans for small enterprises, and partnerships with local development organizations.

Why it matters

GiveWell evaluates global poverty charities more rigorously than any other organization — start there. For US-focused poverty work, look at outcomes beyond "people served": income gains, employment retention, housing stability six and twelve months out. Be skeptical of organizations that emphasize emotional storytelling over outcome data, and of "sponsor a child" models that often spend significant overhead on photo-driven communications.

Common programs in this space

Kiva works within poverty & economic development. These are the kinds of programs typically run in this space — visit their site for current specifics.

  • ✓ Unconditional cash transfers to people living below the extreme-poverty line
  • ✓ Microfinance loans for small-scale entrepreneurs, especially women
  • ✓ Vocational training, skills-building, and job placement programs
  • ✓ Agricultural support: improved seeds, livestock, irrigation, market access
  • ✓ Policy advocacy on debt relief, fair trade, and economic justice

How to support beyond a one-time gift

  • + Direct, unrestricted donations are the most useful — they let charities deploy funds where need is greatest
  • + Monthly recurring gifts smooth out cash flow for charities serving volatile regions
  • + Sponsor a specific community or program rather than an individual (sponsorship-of-individuals models often have higher overhead)
  • + Fund-match campaigns: many poverty charities run year-end matching drives that double your impact
  • + Use Kiva to make a microloan — your funds return to you and can be re-loaned

Verify before you give

A few minutes of independent verification pays off — especially for larger gifts. These resources let you confirm the details on Kiva:

IRS Tax Exempt Search Confirm 501(c)(3) status ProPublica Nonprofit Explorer Read Form 990 filings Charity Navigator profile Ratings methodology kiva.org Annual reports and updates

Frequently asked

Is Kiva a registered 501(c)(3) nonprofit?
Kiva operates as a registered nonprofit organization. You can verify their current 501(c)(3) tax-exempt status using the IRS Tax Exempt Organization Search tool. We recommend confirming directly on the IRS website before making any large donation.
What percentage of donations to Kiva goes to programs?
Program-expense ratios change year to year and are published in Kiva's annual Form 990 filing. You can read the most recent filings on ProPublica's Nonprofit Explorer or Candid (formerly GuideStar). Charity Navigator has rated Kiva at 95/100, reflecting its overall financial health and accountability.
How does Kiva measure its impact?
Kiva publishes impact reporting through its annual report, program-specific updates on its website, and the rating analysis from Charity Navigator. GiveWell evaluates global poverty charities more rigorously than any other organization — start there. For US-focused poverty work, look at outcomes beyond "people served": income gains, employment retention, housing stability six and twelve months out. Be skeptical of organizations that emphasize emotional storytelling over outcome data, and of "sponsor a child" models that often spend significant overhead on photo-driven communications.
What's the most effective way to donate to Kiva?
Most charities — including Kiva — get the most use out of unrestricted, recurring monthly donations. Recurring gifts let the organization plan staffing and program commitments. You can also donate appreciated stock to avoid capital-gains tax, leave a planned gift in your will, or take advantage of employer-matching programs.
How can I support Kiva without donating money?
Direct, unrestricted donations are the most useful — they let charities deploy funds where need is greatest Monthly recurring gifts smooth out cash flow for charities serving volatile regions Sponsor a specific community or program rather than an individual (sponsorship-of-individuals models often have higher overhead) Visit the official website at kiva.org for current volunteer and advocacy opportunities.

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