One repayment made at the end of the loan term Irregular: In addition, we only partner with microfinance institutions and organizations that have a social mission to serve the poor, unbanked, and underserved. Any other repayment schedule To see a detailed repayment schedule for a specific loan, click the "Repayment schedule" link on the loan profile under "Loan details. More information about successive and concurrent loans Field Partners often work with borrowers over time to help them build credit and expand their businesses. What is a risk rating? These additional loans are typically smaller than the borrower's primary loan and serve a different purpose.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. How are loans facilitated? Many of Kiva's Field Partners also provide additional services alongside their loan products such as business training, financial literacy lessons, or health services. ADIM is a small organization in Nicaragua with a strong social focus. Loan disbursal for loans on Kiva can happen anywhere from 30 days before to 90 days after the loan is posted on the Kiva website. Loan funds from Kiva lenders then go to backfill that amount and as a lender you assume the risk of the loan. Unlike Field Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Field Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers. No direct loans will be disbursed unless they fully fundraise on Kiva. For a small organization like ADIM, Kiva's funds are critical to helping them grow and reach more borrowers, and continue to offer the critical additional services they provide. These additional loans are typically smaller than the borrower's primary loan and serve a different purpose. In addition, we only partner with microfinance institutions and organizations that have a social mission to serve the poor, unbanked, and underserved. There are many levels of risk associated with Kiva loans, which are explained on our website here: We allow pre-disbursal because it ensures that the funds reach the borrower as soon as they are needed. What is a risk rating? Kiva and Kiva lenders themselves do not receive interest on these loans. In a market with many microfinance institutions, ADIM stands out as one very focused on the holistic development of women and the provision of responsible financial services. Kiva will not partner with an organization that charges unreasonable interest rates, and we require Field Partners to fully disclose their rates. Direct loans will appear as "Unrated" and lenders should always assume these loans represent the highest level of repayment risk on Kiva. What is currency exchange loss and how could it affect my Kiva loans? Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan. To learn more about the interest rates Kiva borrowers pay, you can review the "Average cost to borrower" field on a loan profile. By doing this, our Field Partners assume the risk that, if the loan isn't funded by Kiva lenders, the Field Partner has to fund the loan without any funds from Kiva lenders. If a partner loan is not pre-disbursed, it will be listed on Kiva with an expected "post-disbursed" date. Do Kiva borrowers pay any interest on their loans? We trust our partners to determine whether a borrower has the means to be able to repay a successive or concurrent loan.
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