Kiva is a 501(c)(3) nonprofit, based in California. Sustainability, transparency and efficiency are at the core of our work, our mission and our financial model.

100% of your loans go to the field

Kiva never takes a fee from lenders, which means 100% of the funds you lend on Kiva go toward supporting borrowers’ loans.

Additional donations cover Kiva’s operating costs

Kiva covers operating costs primarily through the generosity of our lenders, who can choose to make donations in addition to loans. We cover more than two-thirds of our operating costs through these voluntary donations from Kiva lenders. The remainder of our costs are covered through grants, donations from foundations and supporters and Field Partner service fees.

This model of fundraising helps promote sustainability, by keeping our fundraising costs low and tapping into the power of the crowd to help cover our costs.

Awarded for effectiveness and efficiency

Kiva's staff and volunteers work hard to ensure every dollar donated to Kiva is used efficiently, and we’ve received recognition for our commitment.

Google Global Impact Awards

To expand financial access and share results

The Wall Street Journal Financial Inclusion Challenge Award

2015 award winner for operational effectiveness

Organizational structure

While making a loan on Kiva may seem like a simple thing, there’s a lot that goes on behind the scenes. As such, Kiva is structured as 3 separate entities:

  • Kiva Microfunds is based in California and registered as a 501(c)(3) nonprofit organization. All donations made to Kiva go to support Kiva Microfunds and are used to cover the operating costs of running Kiva.
  • Kiva User Funds LLC is a separate entity that holds all funds belonging to Kiva users in FDIC-insured, escrow-like bank accounts. These low-yielding FBO accounts were set up to ensure Kiva users’ funds (meant for lending) are protected and fully separated from Kiva’s operational funds.
  • Kiva-DAF LLC is a third entity that was created to hold donor advised funds to facilitate lending on Kiva's platform for Kiva's institutional partners (such as charitable foundations).


Audited financials and tax filings

Governance and policies

Annual reports

  • 2020 Kiva annual report PDF
  • 2019 Kiva annual report PDF
  • 2018 Kiva annual report PDF
  • 2017 Kiva annual report PDF
  • 2016 Kiva annual report PDF
  • 2015 Kiva annual report PDF
  • 2013 Kiva annual report PDF
  • 2012 Kiva annual report PDF
  • 2011 Kiva annual report PDF