By Julia M., 8th Grade
One of the best feelings in the world is helping someone, but wouldn’t it be amazing if you could help someone from the opposite side of the world? Kiva.org makes that dream a reality. Over the past nine years that Kiva has been in operation it has helped millions of people all around the world get back on their feet and make a living. It is an easy effective way to change someone’s life and on top of that, it doesn’t cost you a dime. Let’s explore Kiva and learn more about how it really does help people from all different corners of the world.
Although poverty may not be a huge deal in out country, that isn’t the case for others out there. Most people would look at the poverty rates in other countries such as Kenya and think there was absolutely nothing that they could do to help as an individual, but with Kiva there is a way you can help either individually or with a group. Kiva is an easy, inexpensive way to help people struggling with poverty all over the world. Kiva.org is a website that lends money to fund people’s loans. Here’s how it works: first, people who are eligible sign up for Kiva in hopes that over time their loan will be funded by the members of Kiva. Then people like you and me go on and contribute $25 to someone’s loan. Eventually the loan will be fully funded by anyone else who decides to lend to that person. These funds will help those in poverty start a business/ career so they can make a living so soon enough, you will be reimbursed by the person you lent that $25 to. With the money you get back you can either lend again or keep it. So, in reality, it doesn’t cost you a thing to help someone in need.
If you’re anything like me, right now you are probably very skeptical. When I first heard of Kiva I thought that there is no way this could work because I thought no one even knew about it and even if they did how would enough people lend to one person to fund their loans when there are millions of other people to lend to. That was before my class lent $25 to a man in Kenya named James. James is a hard working man who needed $547 in order to buy a dairy cow. With this cow, James can sell the milk and also if the cow reproduces he could sell the baby cows or keep them to sell more milk. James has 2 children and has been doing work for 28 years which shows how hard working he is so right away you know he will put the loan to good use. My class lent our $25 on a Friday and on Monday we got notified that James’s loan had been fully funded. That’s only 4 days! This just goes to show how amazing things can happen when we all come together to help someone. Needless to say, I am no longer skeptical. Kiva really does work.
In addition to my class, 24 other people also donated to James. I know it seems like you as an individual can’t make a significant difference in someone’s life but the truth is you actually can. Kiva not only allows you to lend as an individual, it also lets you make a group. An example is Team CANADA. Team CANADA has 5,285 members. They have made 75,972 loans so far and all together they have lent out $2,445,775. 2 million dollars is absolutely amazing and really shows how we can make a difference when we band together. Take Team Europe, they only have 4,103 members but they still funded 95,193 loans which is an average of 23.2 loans per person and have loaned $2,880,000. Together, we can make a difference in lives of people who are in need.
Kiva really is an amazing website. To be able to say you have single-handedly helped a person out of poverty is awesome but even more so when that person is from halfway around the world. As Gandhi once said “Be the change you wish to see in the world” and Kiva makes that both easy and possible.