Well group – the end is very nearly upon us and we only have 3 months left until the end of this little adventure we have been on together. We have accomplished great things and I hope you are all as proud of us as I am.

Over the past for years I have only managed to forget to update the website on one other occasion and so I don’t feel too disappointed with myself when I got an email today to ask if I had forgotten to update this months project. I had forgotten but now is all rectified and ready to go.

I was going to use the last two months as repeats of my favorite and the most popular and effective projects we have supported over the past 4 years. Because of the time pressure I have put myself under by forgetting to get this updated I will use these last 3 projects as repeats – starting with this one.

This month as the first of 3 repeated projects I have decided to return to Kiva. This was one of my favorites because of the ongoing influence it can have in the lives of many people. I am also keen to remind all those who donated to Kiva (in Month 8 of the first year) that your loans can be “re-loaned” once they have been repaid and so your money is essentially compounded if you decide to re-invest in another Kiva loan (or loans).


Kiva is a little different to anything else we donated to over the past 4 years. Kiva is an innovative solution to relieve poverty through microfinance loans. This month could literally NOT COST YOU A CENT if you decide to withdraw your funds after they are repaid! Alternatively you can re-loan that money to another recipient as the first beneficiary repays you.

Essentially I am asking you to make a loan to someone in a developing country and they will pay you back. What you do with the money once they pay you back is up to you – you can choose to keep the money (ie the exercise has cost you nothing) or you can choose to re-loan the money to another person in need (thereby compounding the benefits of your “donation”).

Kiva is a non-profit organisation with a mission to connect people through lending to alleviate poverty. Leveraging the internet and a worldwide network of microfinance institutions, Kiva lets individuals lend as little as $25 to help create opportunity around the world.

Because this maybe a little confusing for some people at first please take the time to explore Kiva’s excellent and informative website www.kiva.org

Go directly to Kiva to make your donation for this month  Click Here

Kiva envisions a world where all people – even in the most remote areas of the globe – hold the power to create opportunity for themselves and others.

Providing safe, affordable access to capital to those in need helps people create better lives for themselves and their families.

How do they do it? …

Kiva works with microfinance institutions on five continents to provide loans to people without access to traditional banking systems. One hundred percent of your loan is sent to these microfinance institutions, which they call Field Partners, who administer the loans in the field.

Kiva relies on a world wide network of over 450 volunteers who work with the Field Partners, edit and translate borrower stories, and ensure the smooth operation of countless other Kiva programs.

How are they funded? ………

100% of every dollar you lend on Kiva goes directly towards funding loans; Kiva does not take a cut. Furthermore, Kiva does not charge interest to our Field Partners, who administer the loans.

Kiva is primarily funded through the support of lenders making optional donations. They also raise funds through grants, corporate sponsors, and foundations.

When you make your donations you will come to a screen where by default there is an amount for Kiva administration calculated. if you would prefer 100% of your money go to the cause you have chosen simply click the “Edit” link and in the drop down box put 0% (not now). However I would encourage you to add something to help this great initiative continue and improve.

What do you need to do now? ………

One thing you should know is that the minimum loan size through Kiva is $25.
I know that is more than some of the donations each month. Those of you who usually give less than $25 please consider giving $25 this month ~ afterall you will get it back if you wish.

These are the instructions for this month’s project ……

  1. Register with Kiva by going to www.kiva.org and following the links
  2. Join our 50four50 Kiva “Team” by clicking on the “Community” tab than searching for 50four50
  3. Research a lender (or more than one if you wish) who interests you and lend this months donation money by following the links
  4. Go to the www.50four50.com webpage and put the amount you have given in the usual spot
  5. Follow your loan and that of the whole group to see the impact we can have
  6. Either withdraw your investment or re-loan the money once you have been payed back
I have found no problems in making loans through Kiva. If you have any problems or concerns about anything here please contact me and I can sort it out no worries.