Jaz, investment banker...

... z 0% profita.

Monika in email poslan na eno izmed BESTovih mailing list sta me vzpodbudila da bolje spoznam organizacijo Kiva.

Kiva je organizacija, ki je vmesnik med majhnimi "podjetji" in ljudmi, ki so pripravljeni malce pomagati. Na njihovi strani so opisi ljudi in njihovih planov za katere potrebujejo denar. Ampak ker so to zelo majhna podjetja, ki v večini primerov preživijo samo družino (majhna trgovina, poljedelstvo, par krav,...) v revnih državah, jim je dostop do normalnih virov denarja nedosegljiv. In tukaj stopite v sliko vi! Izberete si poljubno število projektov (lahko samo enega) in vsakemu projektu lahko posodite od 25 USD naprej. Posojilo je z 0% obrestno mero (v današnjih časih je to kar dober deal za investicijo :) - resno, na bančnem računu ne boste imeli veliko višje mere). Doba posojila pa je eno leto in navadno odplačljivo v mesečnih obrokih. Seveda obstaja riziko, da denarja ne boste dobili nazaj, ampak baje je 97.5% posojil odplačanih. Če pa ni, ste pač dali v dobrodelne namene - ti ljudje so revni.

Potem ko posodite denar dobite spodnji email in skozi čas (če hočete) tudi update od ljudi, ki so prejeli vaše posojilo.

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You can go to Kiva's website and lend to someone in the developing world who needs a loan for their business - like raising goats, selling vegetables at market or making bricks. Each loan has a picture of the entrepreneur, a description of their business and how they plan to use the loan so you know exactly how your money is being spent - and you get updates letting you know how the entrepreneur is going.

The best part is, when the entrepreneur pays back their loan you get your money back - and Kiva's loans are managed by microfinance institutions on the ground who have a lot of experience doing this, so you can trust that your money is being handled responsibly.

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It's finally easy to actually do something about poverty - using Kiva I know exactly who my money is loaned to and what they're using it for. And most of all, I know that I'm helping them build a
sustainable business that will provide income to feed, clothe, house and educate their family long after my loan is paid back.

Join me in changing the world - one loan at a time.

Thanks!

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What others are saying about www.Kiva.org:

'Revolutionising how donors and lenders in the US are connecting with small entrepreneurs in developing countries.'
-- BBC

'If you've got 25 bucks, a PC and a PayPal account, you've now got the wherewithal to be an international financier.'
-- CNN Money

'Smaller investors can make loans of as little as $25 to specific individual entrepreneurs through a service launched last fall by Kiva.org.'
-- The Wall Street Journal

'An inexpensive feel-good investment opportunity...All loaned funds go directly to the applicants, and most loans are repaid in full.'
-- Entrepreneur Magazine