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kivaEvery day Kiva connects thousands of people to borrowers and partner-institutions around the world, working together to create opportunity and alleviate poverty.

It only takes $25 to get started. If you join Kiva via my invitation link they will give me a $25 bonus to make a loan:

Here’s a video explaining how Kiva works:

Every month I lend at least $25 to a business owner who is working in an Internet-related business. Help me Help Other People’s Empowerment – one business at a time.

My Kiva Loan News Updates

4th December 2016

Although I haven’t updated this page for a while, I have continued to lend to two people per month, a total of six $25 loans in the last quarter of this year.

Tonight I made two $25 loans, each to a business owner in a country I have not lent to before, Mexico and Nicaragua.

My current lending stats are as follows:

  • I have made 25 loans to 25 people.
  • I have lent to people in 13 different countries.
  • I have lent to 17 women and 8 men.
  • I have lent 100% to services sectors, particularly to Internet-related businesses.
  • I have invested $443 in loans and donations to Kiva since I began this project in 2012.
  • As the loans are repaid, I lend the money again and the total amount lent = $800. 🙂

12th September 2016

I didn’t make any loans in August, so I’ve made two loans this month:

  • One is to Sandra Yulieth in Columbia to help her update her computer equipment.
  • The other is to Giovanna in the USA. That adds another country to the list of countries where I have lent money. I am pleased to have had the opportunity to lend to somebody in the USA through Kiva. The purpose of the loan is to help Giovanna manage and grow her online design business, which serves Internet businesses, artists and non-profit organisations.

My current lending stats are as follows:

  • I have made 19 loans to 19 people.
  • I have lent to people in 11 different countries.
  • I have lent to 13 women and 6 men.
  • I have lent 100% to services sectors, particularly to Internet-related businesses.
  • I have invested $353 in loans and donations to Kiva.
  • As the loans are repaid, I lend the money again and the total amount lent = $650. 🙂

I have lent to 19 business owners in 11 different countries, including the USA.

3rd July 2016

Well, I was very remiss in both lending and reporting on the progress of outstanding loans during the first half of this year. Let’s see if I can do better in the second half!

In January 2016 I lent $25 to Bianca Sonia in Equador and $25 to Margarita Rosa in Columbia, in both cases the loan was to help fund the purchase of computers to help them develop their internet-cafe businesses.

Since then, I had neglected Kiva until today, when I made two $50 loans, again to help two business women, Maria Hilda in El Salvador, and Eneyda Luz in Columbia, purchase computers in order to offer better internet services to their customers.

I have now made 17 loans to entrepreneurs in 10 different countries, eleven to women and six to men.

27th December 2015

Several loan repayments came through earlier this month so I was able to make another loan with my Kiva funds.


Rosa in her Internet cafe.

KivaloansbycountryDec2015This time, I lent $25 to Rosa Lastenia as part of a $900 loan to help her build a new roof for her home.

Rosa runs an Internet and video-game cafe in the district of Cayaltí, in Chiclayo province, which is in Lambayeque department in Peru. She also raises and sells farm animals.

This is my third loan to a Peruvian entrepreneur with an internet-related business, and my 13th loan to date.

So far, I have lent to small businesses in eight different countries, with three countries, Peru, Philippines and Lebanon, receiving 50% of the loans so far.

8th December 2015


Karen in her Internet cafe, Bolivia.

A few days ago I lent $25 to Karen in Bolivia, as part of a $1,500 loan to help her buy a printer and computers for her internet café.

I was happy to find Karen because I had not lent to anybody in Bolivia before. That brings increases the number of countries where I have lent money to nine in all.

Karen is a 19 year old wife and mother as well as a small business owner. Supporting Karen brings the gender profile of my loans back to 50/50.

Karen’s loan is arranged by Emprender. Emprender is a micro-finance NPO which offers both urban and rural Bolivians various types of loans as well as free medical consultations and health classes given by trained doctors.

Here is an update on my lending activities. I love the way that my $241 has enabled $350 of actual loans to date:


16th November 2015


Ahmad at work.

This month’s loan of $50 ($32 = new money, $18 = money from loan repayments) goes to Ahmad in Lebanon, who is raising it to buy cable to develop his Internet supply business.

Ahmad is 26-years old, single, and the sole breadwinner for himself and four members of his family.
Ahmad’s business provides cable Internet services to homes and offices in his area at competitive rates.
Ahmad launched his business in July 2015. In just a few months he has grown his customer base from 156 to  216 customers. Ahmad’s loan is arranged through Al Majmoua , an independent, non-profit Lebanese NGO.

6th October 2015

Tonight I lent $25 to Grace, who, like Joann, owns and manages an Internet cafe in the Philippines.

Grace’s husband is an OFW (Overseas Filipino Worker) who sends money back to help her pay  bills and keep their four children in school.

Grace wants to expand her Internet cafe and successfully applied for a micro-loan through Gata Daku Multi-Purpose Cooperative (GDMPC) to purchase another computer for her internet cafe.

GDMPC was founded in 1992 by 32 farmers to provide local support services. GDMPC currently has over 15,000 members in upland, lowland and coastal regions of the Philippines, and offers credit, savings, education, and various other social services.

This is my tenth loan, five to men and five to women, in eight different countries:

  • Columbia
  • El Salvador
  • Guatemala
  • Kenya
  • Lebanon
  • Peru x 2
  • Phillipines x 2
  • Zambia

11th September 2015


Joann in her Internet cafe.

I didn’t get around to lending any cash in August, so earlier this week I made my first $50 loan. It goes to Joann, the owner of an Internet cafe in the Philippines.

It’s my first loan to a business in The Philippines. The loan is administered by the Center for Community Transformation Credit Cooperative, a partner of HOPE International. Incidentally, HOPE International has a shop here in Hiroshima (where I live), so I am familiar with their work.

So far, I have lent $250 to 9 businesses in 8 countries. I have invested $161 into Kiva so far. A small proportion of that cash goes to Kiva to cover expenses, and the rest is lent out. As cash is repaid, I can lend it out again, which is how I have been able to lend $250 even though I have only put in $161.

I received seven loan repayments from the second half of July until now. Of the 9 borrowers,

  • 4 have paid back 100%,
  • 1 has paid back 40%,
  • 1 has paid back 37%,
  • 1 has paid back 14%
  • 2 have paid back 0%

The two 0% repayments are for my most recent loans.

15th July 2015

Since my last update, I have made three more loans, bringing my current total to eight loans in all. Three people have finished paying back their loans (Bernard, Ali, and Hermenegildo), so two of my three new loans were funded mostly from returned capital.


I am continuing to support Internet-based businesses and two of my loans were to business people who run Internet cafes in Peru.

The other loan was to Grace, a Zambian entrepreneur who runs a mobile money transfer business which serves rural business people who do not have access to banking services.

Grace mainly employs high school graduates who are trying to raise money for college, so helping Grace build her business also helps local business and young people seeking to continue their education. It feels as if I am getting three-times the value out of this particular loan! 🙂

I have made five loans to men and three to women so far.

Four of my first five loans were to men, so my most recent three loans, with two being to women, have helped to redress the gender imbalance somewhat.

I will keep my eye on this metric, although my primary concern is to help entrepreneurs working with online businesses irrespective of gender.

The eight $25 micro loans have been delivered to entrepreneurs in seven different countries:

• Columbia
• El Salvador
• Guatemala
• Kenya
• Lebanon
• Peru x 2
• Zambia

18th April 2015


Oscar Rene in his Internet cafe

I just lent $25 to Oscar Rene, who lives in El Salvador.

Oscar is single and the owner of an internet cafe in which he also offers copy services.

Oscar needs to purchase paper goods, ink, keyboards, headphones and other accessories to continue developing his business.

He hopes to have a better financial situation to pay off his debt and have a better lifestyle.

I decided to lend to Oscar because his loan target of $1050 is still less than 10% funded.

The loan is administered by Kiva’s field partner, PADECOMSM (Fund for the Development of the Communities of Morazán and San Miguel).

Meanwhile, I am pleased to report that I received my first $2 repayment on Ana Gabriela‘s loan today as well. Her repayment contributed to Oscar’s loan.

20th March 2015

Well that was quick! Yesterday I received an email informing me that Hermenegildo had just completed repayments.


Ana Gabriela


With $25 back in the kitty, it did not take me long to find another internet cafe owner to lend it to.

Ana Gabriela from Colombia has been running an Internet cafe for three years and was seeking a loan of $400 to repair her computer equipment and buy accessories to sell in a display case located in her internet cafe.

The loan was created by Kiva’s field partner Interactuar specifically for Kiva funding, in an effort to reach more borrowers in rural areas. Loans to rural businesses are seen as riskier and many businesses in those areas have been traditionally excluded from the finance sector.



11th February 2015

Ali completed repayments on October 17th 2014.

That was a while ago now, so I am pleased to report that I lent $25 to Hermenegildo this evening.

Hermenegildo runs a grocery store in Guatemala. In the store he also offers an internet service.

In order to satisfy all of his customers, he needs to buy more computer equipment such as a printer, USB drives and computer to fit out his business.

The loan is being managed by approved Kiva partner ADICLA (Association for the Holistic Development of the Basin of Lake Atitlán).

3rd November 2013

Good news! Bernard completed his repayments on schedule last month and my $25 loan has been repaid in full.

I want to continue supporting people who are trying to get started in some kind of Internet-related business, so I have just made my second loan.

This time the $25 goes to Ali in Tayouneh, Lebanon, to help him start a new business providing Internet access and computer games. Ali is a painter, but the work is seasonal so he is looking for a way to increase his income all through the year to help his family. His idea is to open an Internet cafe where people can go and access the Internet and play games. He also wants to use the cafe as an entertainment space.

Ali has nearly achieved his target of raising $1,000 in capital to fund the project. The loan is being managed by Al Majmoua. Al Majmoua is Lebanon’s leading microfinance institution and the oldest Kiva partner in Lebanon.

15th July 2013

I’m pleased to report that several repayments have been made on the micro-loan to Bernard’s Internet café. I received my first payment of $2.77 on January 19th and have received a total of 6 repayments so far, or $16.66 (66.64% of the loan) so far, and all the repayment installments have been paid on time.

29th November 2012

I’m happy to report that I just made my first $25 loan on Kiva using profits from this month’s online activity.

The loan goes to Bernard, a 23-year-old single man who operates an Internet café in Mombasa, Kenya. He has been involved in this business for one year.

His business is located in a busy area and his primary customers are young people.

He describes his biggest business challenge to be insufficient funds for improving the business.

If you would like to join me in making micro loans to small businesses around the world, please click the link below:


Thank you.

David Hurley


2 Responses to Kiva

  • Rui Santos says:

    Hi David
    I’ve just signed up to Kiva and made my first loan. It always feels good to help others and feel you’re making a difference in the world. That is reason enough to help motivate me to keep building and growing my online business so that I can help more people do the same around the world.

    “be the change you want to see”

    • David Hurley says:

      Hi Rui,

      Thank you for letting me know you. I just checked my account and can see that you responded to my invite. It is really good to know that somebody has responded in this way. It means a lot to me.

      All the best,


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David Hurley