K I V A T R U S T E E P R O G R A M O V E R V I E W
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1 K I V A T R U S T E E P R O G R A M O V E R V I E W
2 T H E INITIATIVE LISC and Kiva are partnering to advance a shared mission: expanding financial opportunities for underserved entrepreneurs and small businesses in the U.S. W H A T IS KIVA? Kiva is an online loan crowdfunding platform that enables entrepreneurs and small businesses access to 0% interest loans. The three principle aims of the Kiva program are: Lower the cost of capital Expand access to capital Connect entrepreneurs with a global community
3 T H E KIVA LOAN L O A N PURPOSE Purchasing equipment or inventory Expanding product lines Hiring additional staff S O C I A L UNDERWRITING Kiva uses a borrowers character and reputation as basis for loan Borrowers can get endorsed by trustee organizations who vouch for their character L O A N DETAILS $500-$10,000 6 month- 3 year loan term, depending on size 0% interest Marketing & advertising Improving or creating websites Paying for legal fees All borrowers must secure a min number of lenders from their own networks before their loan is posted publicly on the Kiva website All borrowers must make a $25 loan to another fundraising borrower before their loan is posted demonstrates engagement Administered via paypal Crowdfunded on Kiva Repayments begin one month after loan has disbursed
4 T H E TRUSTEE Trustees are individuals or organizations who recommend and endorse borrowers and are integral to the Kiva platform. P R O F I L E Ideal trustees have close personal and/or professional relationships to the borrower CDCs Non profits Business Incubators Elected offices Faith based groups University programs orstudent groups R E S P O N S I B I L I T I E S Identify and reach out to businesses and entrepreneurs who would benefit from a Kiva loan Evaluate borrowers based on their understanding of their business and impact of kiva loan Under no financial or legal liability, but Help support borrowers throughout the Kiva process B E N E F I T S Help the entrepreneurs you work with access capital Gain exposure for your organization each trustee has an online Kiva profile that links to its website and includes information about it Track your impact over time and showcase your work with funders
5 T H E BORROWER E L I G I B I L I T Y Borrowers must be over the age of 18 They must have a PayPal account or the ability to create one Borrowers cannot currently be in foreclosure or under bankruptcy Emphasis on entrepreneurs with household incomes under $100,000 Each borrower is required to invite a minimum number of lenders from her own personal network before her loan is posted live on the website to the greater Kiva lending community
6 T H E BORROWER S U C C E S S F U L KIVA BORROWERS HAVE... A network of supporters and champions (friends, family members, and customers) A social media presence Tech savviness (comfortable using , web, PayPal, etc.) Comfort marketing their business! Momentum coming out of the private fundraising period into public fundraising (~30% or more raised in private) A great photo for their campaign
7 T H E PROCESS C R E A T E T R U S T E E P R O F I L E I D E N T I F Y & INVITE E N T R E P R E N E U R S IN Y O U R NETWORK A S S E S S M E N T E N D O R S E B O R R O W E R F U N D R A I S I N G C A M P A I G N L A U N C H C A M P A I G N S U C C E S S B O R R O W E R R E P A Y M E N T P E R I O D
8 L I S C'S ROLE LA LISC has capitalized a $100k matching fund for all borrowers endorsed by our local Kiva Trustee partners LA LISC can provide technical assistance and training for Trustees and their borrowers in regards to successful marketing and outreach campaigns LISC can help support borrowers grow their business and climb the ladder of "Financial Inclusion" SBA Micro Loans $20-$50k SBA Community Advantage Loans $50k-$250k SBA 504 Loans $400-$5M Kiva Loans $500-$10k
9 I N T E R E S T E D I N BECOMING A LISC KIVA T R U S T E E? C O N T A C T: MIRANDA RODRIGUEZ M R O D R I G U E Z@LISC.ORG
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