How Kiva Chooses Field Partners: Recorded Webinar is now Available

Thank you to all who joined us online for our first Kiva Webinar on How Kiva Chooses Field Partners. We were overwhelmed by the number of participants and grateful for the participation and feedback. If you were unable to attend, the recorded version is now available to view on demand.

Kiva Webinar Series Part 1:

How Kiva Chooses Field Partners

Click here to view recorded version

If you would like to learn more about our current Field Partners in advance of the webinar click here.

Thanks again to our Facebook followers for voting on a topic for this webinar. We will continue to ask for your vote on future topics while also allowing you to pose questions specific to the subject matter in advance of the webinar.

Please be sure to follow us on Facebook so you don't miss the chance to help shape future Kiva Webinars.

Behind the Scenes: A Video Interview with Nat Robinson, CEO of Juhudi Kilimo

Written by Lauren Brown, Review and Translations Program Intern

This 3-part video interview introduces you to Nat Robinson, CEO of Juhudi Kilimo, a Kiva Field Partner located in Kenya. Learn why so few microfinance institutions (MFIs) are working in the agriculture industry and how Juhudi is leading the way in rural asset financing. Discover how even in rural Kenya, farmers are able to make mobile payments and file insurance claims using their cell phones. Also, find out which type of cow Juhudi recommends its farmers!

Video Part One - Learn about the Agribusiness Value Chain and Juhudi's role in it.

Video Part Two - Learn why so few MFIs are in the agriculture industry and why Juhudi uses the asset financing model.

Video Part Three - Learn about Juhudi's mobile payments and where Nat sees the future of Juhudi Kilimo.

Click here to make a loan to a Juhudi borrower.

IT as a Kitchen

Kiva recently went through an internal transition to Google Apps from some other email systems. The experience of moving to Google Appps demonstrated how entrepreneurial Kiva is. It's worth a brief recount and some thanks to those that helped. It also clarified the role of IT in a non-profit for us, which I'll cover.


Moving to Google Apps

The decision process was painless. Kivans were solving problems with Google services on their own that our old mail systems could not. IT was already leaning towards a Google Apps move because Google Apps is a fairly open platform, with a growing collection of productivity tools. Google Apps is also inexpensive, a feature all non-profits appreciate! Without knowing it, all Kivans effectively made the final decision and set the timetable. IT called it. Management just got it.

A word on the transition - depending on your previous mail setup, moving to Google Apps can be a good bit of work.

We were aided by Google, whose support was absolutely outstanding, and by YippieMove, a small startup that can move mail from anywhere to anywhere better than anyone. They were absolutely fantastic partners and really helped Kiva. If you are moving to Google Apps, you should consult them. So thanks to Google, Yippiemove, Joe, Phu, Peter and Sam for helping make the transition happen.

After the move, we started introducing users to a critical but underused Google tool - groups. Kivans were immediately enthusiastic about their ability to control mail distribution with groups, something IT used to do. Less work for everyone. Our users extend this and other Google Apps functions as soon as they are introduced, if not before, including managing whole domains. They are entrepreneurs and empowerment helps them get stuff done. That's the upside of user innovation in IT. The downside of user innovation in IT is that a lot of work is generated.

IT ends up supporting one-off solutions, integrating them with the other systems, and moving them to new systems more frequently.

The complexity trade-off is something we are totally familiar with. It's analogous to supporting multiple client operating systems(Macs, PCs, Linux) in our infrastructure, which we also do. (our official position on the mac versus PC debates can be found here) The productivity gains were well worth the costs in this case. It is clearer than ever that we should have an eye toward user innovation in IT, as long as sensitive data is not put at undue risk.


The Role of IT in a Non-Profit

Lefkowitz suggests the analogy of IT as a Deli - a place where quick apps are made by IT - like sandwiches - while you wait. Need an app made? No problem! We'll have that for you today!

It would be awesome if IT just built cool things with new technology. Not that technical people are sensitive about their skills or anything...but we like to improve them and show them off. But that's not the right corny analogy.

Lefkowitz has the correct answer for a large company - perhaps one that outsources most IT operations. His remaining staff can run an IT Deli, and his users will be happy. Non-profits usually have to be a bit more entrepreneurial. The way *entrepreneurs* "build cool things" is way more complicated. They use the least money and the smallest possible team. The smallest useful IT team won't have time to build web apps for you, but they will give you the tools you need to solve problems yourself.

After the move to Google Apps, it's glaringly obvious that Kivans are entrepreneurs. They need a Kitchen to build their own solutions in, not a Deli. We're seeing kitchen tools everywhere.

If the IT department ever disappears at Kiva we can say, "Yeah, that kitchen we built was pretty cool. I'll betcha they're opening a Deli right now."

Kiva is hiring and we want YOU!

Thanks to the support of our lenders, funders and Field Partners, Kiva continues to grow. If you want to be part of the Kiva team and help us in our mission to alleviate poverty through lending, then consider applying for one of the open positions at Kiva here.

Already have a job? Are you in school? Maybe you want to help out on the side? Kiva relies on hundreds of volunteers to help us fulfill our mission. Learn more about our open volunteer opportunities here.

Making a Difference—One Word at a Time

Each borrower profile you see on Kiva has been translated (or edited, if already written in English) by one of over 400 volunteers. Handling around eight thousand loans every month, this team makes an enormous contribution to Kiva. What fuels volunteers’ enthusiasm, and what do we gain from volunteering?

Volunteers working together at a December 2009 marathon to prepare for holiday traffic to Kiva.org (From left, Shelly Willard, Joe Castrovinci, Amy Schapiro, Lisa Shah, Catherine Coffman)

Borrower Stories

We’ve all heard statistics on global poverty, but if asked why we volunteer, many of us will cite a story—not a statistic—that made us want to help.

• “I think we've all been moved by stories of hardship and triumph over adversity, but I also love the ones that make me laugh... I love the twinkle in the eye, the determination and good heart I see in the borrowers.” –Meg Matlach, Kiva Editor and Kiva Loan Review Team Leader

Window to the World

The fun of virtual “travel” is a big attraction. Each loan is a “visit” to one of the 52 countries Kiva lends in, and a snapshot of life there.

• “[Translating gives me] a reminder of travels I've done (‘that rickshaw reminds me of that terrifying but memorable ride one night in India’).” –Emina Tudakovic, Kiva Editor
• “You never know who you will 'meet' that day… It's a 5- to 30-minute 'mini-trip' to somewhere else in the world that gives me perspective on how I want to lead my life. It also feeds my wanderlust and makes for 'itchy feet'—where can I go explore next?!” –Meg Matlach, Kiva Editor and Kiva Loan Review Team Leader

Visible Contribution

Seeing the results of our work as loans are posted and funded is another draw.

• “I like the instant feeling of having done something worthwhile—at times, I log onto Kiva to see the loans I've edited as they go live and are funded.” –Valerie Williams, Kiva Editor
• “It's the numbers that draw me… I want to see how many loans are in the queue waiting to be edited and whether that number is going up or down... Am I pulling my weight for my team?” –Jeff Avery, Kiva Editor
• “If I can see that there are 50+ loans waiting to be translated, I'll carve out some time, roll up my sleeves, and get to work.” –Dan Kuey, Kiva French Translator
• “That warm fuzzy feeling you get when you've done something nice for someone [makes me look forward to translating].” –Emina Tudakovic, Kiva Editor

Detective Work

Often, a profile will contain a term or concept that sends us into detective mode—what could a “jabal-jabal” be? How should I translate “greffages”? We end up learning new words and getting insights into concepts we’d never even thought about.

• “I'm developing sprinklings of knowledge [in new areas], from West-African legislation to Sri Lankan names.” –René McConnell, Kiva French Translator
• “I like the thrill of the unexpected.” –Valerie Williams, Kiva Editor

Nearing our goal in this tally at the holiday marathon

Camaraderie

Although we do most of our editing and translating alone, we are connected through an online forum where we collaborate on perplexing terms and concepts.

• “Being part of a team that shares linguistic and altruistic interests makes an important and positive impact on our lives away from Kiva.” –René McConnell, Kiva French Translator
• “Over the Christmas period, I liked the sense of being part of a team as we'd all dive in to try to find a loan to edit.” –Valerie Williams, Kiva Editor
• “[Communicating with my fellow volunteers has] brought me renewed interest in sharing some of the knowledge and experience accumulated over many years, be it in linguistics or other areas.” –René McConnell, Kiva French Translator

Editor and Kiva Loan Review Team Leader Catherine Tran likens keeping up with loan volume to surfing: At the beginning of the month, volume is low, so it’s like “lying on your board, just paddling... waiting for a wave to come.” Later in the month, the “loan queue starts to ramp up so it's paddle, paddle... PADDLE… and the last two weeks of the month [when volume is highest], we HOP UP and riiiiiiiiiiide the wave!”

From “meeting” the borrowers to making a visible contribution, many of the things that keep Kiva’s volunteers coming back also make great reasons to lend to Kiva entrepreneurs.

Click here to view loans edited and translated by Kiva’s amazing volunteers!

Click here to learn more about volunteering as a Kiva Editor, Translator, or Loan Review Team Leader. We add new volunteers to the editing and translation teams periodically as loan volume grows, so your application is welcome even if teams are currently full. Kiva Loan Review Team Leaders lead teams of up to 30 volunteers to keep them working smoothly. We’re taking applications for the next group of Team Leaders until July 5, 2010.

Patricia Wada is a Kiva Editor and an intern on Kiva’s Review and Translation Team.

2010: A social performance baseline for Kiva

Tracking social performance is a complex issue. In addition to tracking the progress of Kiva borrowers through the profiles and journal updates, Kiva looks at the social performance of our MFI partners to inform who we should be partnering with.

Some of the questions that we ask ourselves are:
• who is the MFI reaching with its services?
• what products does the MFI offer (variety of loans and beyond loans)?
• what are the benefits to the clients?
• how socially responsible is the MFI?

On that last point, a particular area of interest is whether the MFI treats its clients in a responsible manner (avoids over-indebtedness, adopts ethical practices, etc.)

This year, Kiva is embarking on a challenging social performance project. Through the use of the CERISE SPI (Social Performance Indicators Audit tool - one of the many tools available to analyze the social performance of an MFI) we will take a closer look at the social performance of our MFI partners.

Our goal is to have 100% of our long term MFI partners (MFIs that were partnering with Kiva by the end of 2009) reporting to the CERISE SPI by the end of the year.

How will we get there?

We will use data already tracked by MFIs (such as the MIX Social Performance Standards-MIX SPS, Grameen Foundation's Progress Out of Poverty-PPI, social ratings, etc.), and supplement it with data collected through the CERISE SPI questionnaires and interviews. Kiva Fellows will play a key role collecting the data and answering questions.

In 2010, we are adding a Social Performance training the week following the regular Kiva Fellows training, for our “Social Performance Fellows”.

The first training took place in San Francisco from February 1-4th. The training covered broad issues around Social Performance in the microfinance industry (day 1) as well as a detailed review of the CERISE SPI tool (day 2) and a discussion around implementation issues (days 3 and 4). Three additional trainings are scheduled for this year.


Kiva Cerise Spi Feb2010 Intro Sp(Day1)

Kiva Cerise Spi Feb2010 Intro Spi(Day1&2)

Kiva Cerise Spi Feb2010 Methods(Day3&4)

Why the CERISE SPI?

The main reason we selected the CERISE SPI Audit tool is that it is more than a reporting tool. Sure, more transparency around the social performance of our MFI partners is key. But so is supporting our partners who want to improve their social performance.

The CERISE SPI results do much more than merely provide a ‘grade’. In addition to looking at results (how many women served, how many borrowers in rural areas, etc.) they help assess strengths and weaknesses of our MFI partners, and as such can also be a point of entry for MFIs looking at improving their Social Performance Management.

We are joining a wide range of organizations already using the CERISE SPI tool, including social investors such as Oikocredit and Unitus. As of December 2009, more than 250 MFIs around the world had already reported using the SPI tool. Because CERISE SPI is compatible with the MIX, reporting on CERISE SPI also increases the wealth of knowledge on social performance in microfinance.

We are excited! Why should you be too?

Our MFI partners have varied (and all very laudable) social goals and focus (reaching rural areas, serving the poor, serving the unbanked, etc.). We want to provide more transparency around the work that is required to make it all happen. Social performance is not incidental – it needs to be managed to achieve the desired results over the long term.

Our MFI partners are doing great work that often goes unrecognized, or facing daunting challenges that are misunderstood. We hope through this effort to bring to light some of these accomplishments and challenges, so that borrowers in need have access to more appropriate and more affordable services.

Kiva.org Down Tonight @ 5 pm Pacific

We'll be doing some maintenance work that will take Kiva.org offline tonight (1/28/2010) at 5 pm Pacific time for up to approximately 4 hours. Thanks for your patience during this time!

Website maintenance this Thursday

We're taking the Kiva website down for infrastructure maintenance this Thursday at 5pm PST. We expect the outage to be brief but may take up to four hours. Thanks for your patience!

Kiva’s Editing and Translation Marathon

Kiva’s Editing and Translation Marathon last Monday was a huge success! 91 volunteers and staff reviewed 756 loans throughout the day. This is a new record by far for most loans reviewed in a day (our previous record was ~900 loans reviewed in a weekend). During last year’s marathon 26 volunteers and staff reviewed 325 loans, so this shows how much our team has grown over the past year.

Kiva is now in great shape as we head into our busiest time of year. Thank you to everyone who participated in or helped with the Editing and Translation Marathon!

To learn more about volunteer opportunities at Kiva, click here.

You are invited to Kiva's Fourth Birthday Party!

Join 4 community enterprises, Kiva, Hub Bay Area, GOOD Magazine and The David Brower Center, as we celebrate the remarkable achievement of 4 years and almost 100 million dollars in loans that Kiva has realized since its creation.  

 We're 4! 

November 3, 2009

6:30pm - 9:30pm

The David Brower Center

2150 Allston Way

Berkeley, CA

RSVP Required

 Global Beats From Around The World

Gaucho

Baba Ken and the Afrobeat Connexion

Erin Brazill

Shovelman 

 Delicious Food Provided by Bay Area Favorites

Slanted Door

Cafe Gratitude

Neighborhood Fruit

FeelGood Grilled Cheese

and many more...

 Drinks to Keep the Party Going

Barefoot Winery

Skyy Vodka

Drake's Brewing Company

 The Hub opened its' first US location in Berkeley, CA, joining a global network of 20 Hubs and 4500 social innovators around the Globe.  Visit them in their new home at The David Brower Center, a platinum LEED certified building of 28 organizations focused on social innovation.  We are also pleased to partner with GOOD Magazine, a catalyst for change through journalism and social media, to celebrate Kiva's 4th Birthday!  Join us on November 3rd to learn more about how to join a Kiva lending group, jump onboard as a Hub member, and support the GOOD cause, all in the beautiful backdrop of The David Brower Center accompanied by hundreds of our closest friends!

 Learn More About Us

Hub Bay Area

Kiva.org

GOOD Magazine

The David Brower Center

Make sure to RSVP here as space is limited!  

Stay Updated on Party News Through Facebook

Release Notes for 10/15/09

Here's what we've updated in the latest release of Kiva.org:

1 - Fixed issue where lenders were seeing a "Non-withdrawable" account message when trying to withdraw funds or purchase a gift certificate.

2 - Added Bios for the new Kiva Fellows Class (KF9)

3 - Fixed issue with the API failing when requesting some data about lenders' loans

4 - Replaced "My Transactions" with "My Credit"

5 - Added the ability for lenders to opt to have loan repayments automatically donated to Kiva

Kiva's 5 Year Growth Plan

It's no secret that Kiva's first four years have had unprecedented impact-- over $90 million has been raised from over 550,000 users reaching more than 230,000 entrepreneurs in 49 countries. Countless stories have emerged, new friendships have been forged, and lives have been changed. We're blown away by all the dedicated Field Partners and amazing Kiva Lenders who've made all of this possible.

But we believe this is only the beginning . . .

Kiva is about dreaming big. The entrepreneurs on the website dream about big business; our Field Partners dream about financially including all of the poor; Kiva Lenders dream about ending poverty.

Kiva was a big dream before the idea of lending to someone on the other side of the world became a reality. Now we have big dreams about making Kiva the world's hub for alleviating poverty.

We've set three strategic goals that we believe are both ambitious and achievable within the next 5-years:

1. Raise $1 billion in loans over the internet
2. Reach 2 million entrepreneurs around the world
3. Realize our own self-sufficiency in the process.

While these three goals don't describe how we will get there (which countries? will there be different types of loans?) or what changes we might make to improve the Kiva website to get there, what we are sure about is that we want to do it at a large scale. We think the potential of the partnerships forged through the Kiva community are infinite, and we want to dream as big as we believe you are.

Today, Kiva employs about 40 passionate people who find and monitor the field partners that bring entrepreneurs to the site, build and maintain the Kiva Web site, bring you responsive customer service, and make unique opportunities like the Kiva Fellows program possible. This includes team members in cities as far afield as Nairobi, Dakar, Lima, and Manilla. Thanks to Kiva lenders who also donate to Kiva when making a loan, Kiva has managed to become about 75% self-sufficient, with the remaining funds required to operate Kiva coming through generous grants from corporations and foundations.

In order to make our 5-year goals a reality, Kiva plans to launch a growth capital campaign to raise an additional $10 million to build the Kiva of the future. One that's built to scale and built to last. The campaign funds will be used to hire the engineers who will build an irresistible site at the forefront of Web technology, the microfinance professionals who will help us reach more entrepreneurs while managing risk to protect Kiva lenders, and the dedicated team members who will support the kind of organizational scale and longevity that we believe will make Kiva one of the most vital organizations engaged in one of the most important challenges of the 21st century-- the fight against global poverty.

In the coming months, we'll keep you updated on both our vision and our progress. We'll also show you how you can participate in our campaign through your own charitable contributions, by bringing your friends and family to Kiva, and through some exciting new ideas to come.

With your help, Kiva will demonstrate that no matter how big the scale of today's global challenges, everyday people really can make a difference!

SOCAP09: A Great Success!

The third and final day of SOCAP09 was considered the highlight of the three day conference, with participant-led Open Space sessions.  Over 800 attendees were impressed with the SOCAP team as they convened the right people: top practitioners, investors, and entrepreneurs, along with the new, young grass roots start ups and people with ideas who want to make a difference.  They asked us what projects and topics we wanted to speak more about and then invited us to post these hour-long sessions on the wall for attendees to consider.

There was a great deal of energy, and I very much enjoyed the sessions I chose to join: "Branding Social Enterprises," "Using Video to Support Social Venture," "Republic 3.0: Global Citizenship as a Lifestyle," "Creating an Offline Community at HUB Bay Area," and "Providing Brands with a Return on Investment for their Cause Marketing Dollars." 

Learn more about what other participants had to say about the conference on SOCAP's Blog here.

In other news, Kiva and Yola.com sponsored the lunch on Wednesday and we're very proud to announce that Yola raised $7,550 on their Kiva Lending Team in only three days!  Yola has agreed to match this amount and will be making their loans to Kiva entrepreneurs over the next few weeks.  We're very thankful to Yola and look forward to more collaboration in the future.  For those that don't know much about Yola.com, learn more about them here. 

Introducing Kiva's Lending Team Playbook!

Kiva’s Community Outreach Team is thrilled to announce the recent release of the Lending Team Playbook, spearheaded by Kiva Interns, Colette Kessler (content) and Hannah Day (design)!  A huge thanks goes out to all contributors, including star lending team captains, KivaFriends.org, and other committed volunteers. 

The Playbook is a step-by-step guide on how to deepen your involvement with Kiva by engaging your communities.  While it was created primarily for Lending Team Captains, we encourage all Kiva users to look to it for inspiration!  The Playbook will show you how you can help raise awareness on Kiva, on the Internet, and in the world beyond your doorstep.

If you don’t yet have your own Lending Team, consider starting one today by clicking here!  The Playbook can act as your guide to building a strong team and bringing Kiva to life for your family and friends.  For any questions about the Playbook or Lending Teams that you can’t find on the website, feel free to contact the Community Outreach Team at kivacommunity@gmail.com

Looking for a Volunteer Web Developer!

Want to help redesign a website?  Looking for a way to put those engineering skills to use?  Need to channel some creative energy?  We have just the opportunity for you!

Kiva High School is a national network of high school students, and their respective chapters, unified by a belief that poverty can be alleviated and that microfinance is an effective tool to achieve this end.  Students organize chapters of Kiva High School to join with like-minded students in their community and around the country to raise money to battle poverty, not with sympathy, but with business transactions rooted in mutual dignity.

As the Kiva High School Program is still in the early stages of development, we are looking to revamp our current website into something more resourceful for our users!  So if you are a web developer who is committed, has some time to give, and is interested in making our vision a reality, this could be the perfect project for you!  

If you'd like to learn more about this opportunity, please email Co-Founder and National Director of Kiva High School, Parth Shah, at parth@kiva.org. 

Breakdown of Kiva loans and users by country

Hi everyone,

Jonny Price here - first time, extremely nervous, blogger, and temporary Kiva volunteer.

Below is a link to a presentation including maps breaking down Kiva loans by country, and user penetration by country and US state. Amongst other things, it shows which countries have received the most loans since Kiva began, and which countries have the most Kiva users.

Kiva Users And Loans By Country And State

View more presentations from kivamicrofunds.

Loan Value by Country (slide 2)

1. I think the geographic diversity of Kiva loans to-date is great to see. The top 4 countries by loan value are as widespread as Cambodia, Peru, Tajikistan and Uganda!
2. With a combined population of around 2 billion people, the 2 biggest areas of opportunity for me would seem to be India and China, although I appreciate the regulatory constraints around involvement in these countries.
3. As someone interested in Africa, it is also interesting to see the gaps in southern Africa – e.g. Zambia, Zimbabwe, Angola, even South Africa.

Kiva users per million population by country (slide 5)

1. It is probably unsurprising to see the strongest penetration of Kiva users in North America, western Europe and Australasia.
2. Well done to Canada for leading the way with 861 Kiva users per million population. The US is in second place with those generous Scandinavians from Norway, Iceland and Sweden in third, fourth and sixth place respectively. With a population of only 20,000, the 3 Kiva users in the nation of Palau make it into twelfth place!
3. It is amazing to see that of the 196 countries I looked at, only 20 have no Kiva users! But if there’s anyone out there in Kiribati or Tuvalu, or if you’re the Pope (Vatican City), get lending!

Kiva users per million population by state (slide 13)

1. It is interesting to see the stark contrast between the strong penetration of Kiva users on the west and east coasts, and the weak penetration in the south.
2. Well done to the relatively numerous Kivans in DC, Alaska and Washington!

Enjoy!

Jonny

Map of Kiva in the Philippines

Dear Kiva Lenders --

PDS Extraordinaire Rico Munoz recently put together this map that shows all of Kiva's partners in the Philippines and where Kiva loans are having an effect. As you can see, your generous support is helping microentrepreneurs all across this wonderful country. So once again, on behalf of our Filipino partners, Rico & myself, thank you again for your dedication to helping make Kiva so successful in the Philippines

Happy lending!!

Darren Miao
Microfinance Partnership Manager - Asia Pacific

Rico Munoz
Partnership Development Specialist - Asia Pacific

Social Designer T-Shirt Benefits Kiva!

Back in May, an organization Social Designer, which curates and creates smart products that tune into the greater good, held a t-shirt design competition where the winning design would be sold and 20% of the proceeds would go to support Kiva.

Well, the contest is over and a winner has been named! Check it out here.

Big thanks go out to socialdesigner.com for choosing Kiva to benefit from this contest! For more information, visit www.socialdesigner.com.

Update: Special July Community Call

On June 10th, the first loans to entrepreneurs in the United States were listed on Kiva. This has sparked an active discussion within the lender community about whether or not Kiva should facilitate loans to entrepreneurs in the U.S. This month's community conference call will focus on community feedback to the this issue.

When: The call is scheduled for Wednesday, July 15th at 2 pm US Pacific time.

Dial in US: 866-740-1260 Access Code: 6415483

Dial in (Outside US): +1 303-248-0285 Access Code: 6415483

We'll be giving a short presentation before listening to your feedback on the Kiva US Pilot. The presentation will be made online, so you'll need to log in to our web conference to watch the presentation.

1 - Go to www.readytalk.com
2 - In the "Join a Meeting" section enter the access code 6415483
3 - You will then be able to view our online presentation

We hope to hear you on the line!

The Winners: Your Favorite Kiva Apps

In the month of May, you voted for your favorite Kiva Apps. Over 400 people voted, and the results are in!

#1 KIVA ALERTS: A suite of tools for facebook, mobile, and the web that tell alert you when loans of your interest appear on Kiva.

#2 KIVA WORLD: A live map of global Kiva loans in all stages: fundraising, funded, in repayment, and paid. Click on the markers to read more about the entrepreneur in the area.

#3 KIVA HEADS: Lets you browse loans on Facebook, and show off your loans in your Facebook page.

You can check out these applications and many others in the new App Gallery on Kiva. Thanks so much to all who voted and to all our developers for helping us build Kiva together.