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Kiva Team Caedes

+philcUK
09/05/08 3:35 PM GMT
A while back a friend introduced me to a charity called Kiva that, basically, facilitates for individuals or groups to provide loans and financing to entrepreneurs and businessmen/women in the developing world to help build a life for themselves.

It isn't charity as such - you merely provide loans to these people that they then repay over a period of time - once the loan is repaid, you can choose to reclaim the money or lend it again to another person.

you can loan as much or as little (well, sort of, $25 is the minimum loan amount I think) as you like and - because its run by a charity - the tax man will love you for it, or at least be mildly fond of you.

I set up a lending team for any Caedes members interested in joining which can be accessed here

have a look see and join in if you want/can.
0∈ [?]
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.marcaribe
01/23/12 11:10 PM GMT
I just made a $25 loan to Nelson Mendoza in Coronel Oviedo, Paraguay. He is a printer and needs help to buy paint, canvas, cloth and other supplies. I didn't use my own funds, People I have loaned money to have paid me back so I just rolled $25 over into this new loan
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Please Join The Caedes Kiva Team
.Nikoneer
03/19/12 9:06 PM GMT
The Caedes Kiva team is a $25 loan away from reaching an $8,000 total in loans. Not bad for a team this small--10 members. Imagine how much more support it could give with a few more members. I'm not a rich man by any measure, but I'm still able to make loans because my overseas entrepreneurs pay me back, regularly, and I add my daily pocket change. Since July of 2010 I've been able to make 54 loans without impressing financial stress on my family. If I can do it, anyone can (nudge, nudge; wink, wink).
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If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
+mimi
03/24/12 1:36 AM GMT
I was asked by Phil aka philcUK to post this great news!

Congrats Kiva Team Caedes!


Great news for the Caedes Kiva lending team, almost 300 loans made and passing more then $8000 in loans to entrepreneurs around the developing world.
There’s never been a better time to join the team with more than 6,500 free $25 loans still available, offered to new members – funded by Reid Hoffman Kiva board member and founder of LinkedIn.
So please take the time to join up the Caedes team and help people from all around the world – thanks to Reid, it costs you literally nothing. You can take up one of the free loans by following this invitee link: Link to Invite

Thanks.



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~mimi~
=Samatar
03/24/12 6:22 AM GMT
Link gave me a "Page not found" error Mimi.
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-Everyone is entitled to my opinion-
+mimi
03/24/12 6:42 AM GMT
Fixed! Thanks Sam~
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~mimi~
=Samatar
03/25/12 1:29 AM GMT
Thanks! Loan made. I have been meaning to do something about this for a while and with $25 loans without even having to provide banking/cc details it certainly makes it easy.
4∈ [?]
-Everyone is entitled to my opinion-
.Nikoneer
03/26/12 2:42 PM GMT
It's good to see that you entered the ranks of Kiva participants, Sam, albeit not as a member of the Caedes team. I myself have started 2 other teams, one a memorial for the husband of a friend and another in my office, so when I prepare to make a loan I make three, one through each of my teams. It's more important that we participate than under whose auspices we do it.

-Nik
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If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
=Samatar
03/26/12 9:17 PM GMT
Whoops! Joined now :-)
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-Everyone is entitled to my opinion-
.Nikoneer
03/26/12 9:44 PM GMT
Ah, yes, I see you now as the eleventh member. Welcome aboard. Your canvas shirt with the seven-foot sleeves and buckles for cuff-links is located in the last cabinet on the starboard side. Just messin' wit choo. 8P Kiva is a beneficial endeavor, for lenders as well as the entrepreneurs, and I'm sure you'll never regret your decision to participate. I'll be in the backyard -- beer's on me!

-Nik
5∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
LOL2112
03/28/12 5:14 AM GMT
Yep great cause
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.marcaribe
04/25/12 2:53 AM GMT
Hi Sam, I am so glad you finally joined our Caedes Kiva Team. I just made my 18th loan to a lady in Mongolia for a truck...this is my second loan to that region.

I have always been fascinated with that part of the world and watch every TV show I can about it. Believe me you won't be sorry you joined, I am really conservative with my money and this has been the best charity I have ever belonged to and never lost a penny. The big plus for me is that I really want people to succeed in their dreams and the world to be a better place
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Please Join The Caedes Kiva Team
.marcaribe
06/13/12 1:17 AM GMT
I am on to make another Kiva loan...I have made 18 $25 loans so far and they all have been paid back...I have only put $75 of my own money into it when they pay it back I just roll the money into another hardworking person who just needs a little helping hand
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Please Join The Caedes Kiva Team
::Nikoneer
06/13/12 2:48 AM GMT
I allow my daily pocket change to build up so I don't even miss it when I use it for loans. Nickels and dimes for us means the world for them.
5∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
.marcaribe
06/13/12 11:33 AM GMT
We have a new member our 12th...Welcome to our kiva family Caitlyn so happy you joined this worthy cause!
1∈ [?]
Please Join The Caedes Kiva Team
::Nikoneer
06/15/12 8:05 PM GMT
I am a member of the Caedes Kiva team as well as a team in my office and a third that's a memorial for the late husband of a friend, so I make a loan to each of the three about once every 24 days, most often re-loaning what my entrepreneurs pay back to me. Today though, in honor of the approach of Father's Day, I made all three loans through the Caedes team, to men in Bolivia, Chile, and the Philippines. I know that all three are fathers because that's the sort of information you have available to you when you make a Kiva loan... you know who you're loaning to; it's not just an unknown entity and an unknown cause. Richard in Bolivia makes and sells tostados at a public stall, Luis in Chile sells fruits and vegetables, and Richard in the Philippines is a farmer. All three struggle to provide for their families under an economic ceiling. My loans simply help them push back that ceiling when, too often, their local banks won't. And I don't worry about them not paying back the $25 I've lent each one. Here in the U.S. the average small business loan realizes only a repayment rate of 74%. The entrepreneurs who receive loans through lenders like our Caedes team have a current repayment rate (I'm looking at the Kiva site data right now) of 98.96%. These are honest, hard-working people who just need a little help. And if you're an American like me and thinking "why should I help someone overseas when there's plenty of need right here at home?", there are loans to be made at Kiva to people in the U.S. as well. Just remember that the cost of living in the U.S. is higher and so are the loan amounts--a dollar goes a lot further in most other countries. At the beginning of this thread Phil mentions that a friend introduced him to a charity... except it's not a charity... it's loans that you can get back. By making a Kiva loan you are helping someone help themselves, then, when they return it to you, you can retrieve it for yourself or use it again to help someone else, again and again. A pretty good deal, I think.

Happy Father's Day in advance to all you pops out there.

-Nik
1∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
+purmusic
06/20/12 12:18 AM GMT
Nik?

Meet Paragraph Breaks.

Paragraph Breaks.. Nik.

:oP


"I have made 18 $25 loans so far and they all have been paid back...I have only put $75 of my own money into it when they pay it back I just roll the money into another hardworking person who just needs a little helping hand."

- Diane; aka marcaribe

"By making a Kiva loan you are helping someone help themselves, then, when they return it to you, you can retrieve it for yourself or use it again to help someone else, again and again."

- Nik (to us.. although rumour has it, Bri will do fine as well); aka Nikoneer


"What do you think of people in poverty?

Maybe what Jessica Jackley once did: "they" need "our" help, in the form of a few coins in a jar.

The co-founder of Kiva.org talks about how her attitude changed -- and how her work with microloans has brought new power to people who live on a few dollars a day."

Jessica Jackley: "Poverty, money -- and love"
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::Nikoneer
06/20/12 2:57 PM GMT
Paragraph Breaks? How do you spell that? I thot we was jist talkin'? 8P

That first quote must have been from a while ago. I'm up to 63 now, and as I've said before, I'm not a rich guy. Half of these loans came from pocket change over nearly 2 years (became a lender in early July 2010), and the rest are simply me re-lending the loans that have been paid back. (However, I'm still just a piker when compared to some of these lender types... there's one guy who makes about $200 in loans every day! "Paying it back" I'm guessing.)

-Nik
0∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
+purmusic
06/20/12 10:11 PM GMT
(*points two back..*)

A couple of edits to clarify the sources of the quotes, Nik, and.. some freebie advertising.

... ...

Lunch, on the other hand.. is going to cost you an arm and a leg.

:oP
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::Nikoneer
08/28/12 2:42 PM GMT
Another cool feature of the Kiva site is something I used just a couple days ago. Kiva of course keeps track of the entrepreneurs you make loans to. A number of months back I had joined with others to make a loan to a lady in Kenya who runs her own grocery store (a small store but a grocery store, nonetheless). She just took out another loan and Kiva gave me the heads up on that so I could make another loan to her. I feel very safe in loaning to her again because she paid me and the others back before, proving that she'll do the same again. The vast majority of these people are honest, hard-working folk (their repayment rate right now is 98.97%!!!) and no one should be worried about taking this particular plunge. To be honest I did have one entrepreneur default partway through her loan (she paid back about a third before she defaulted) and I also had two who weren't able to finish the full repayment (one fell short by 11 cents and the other by 9 cents -- Oh, the humanity!), but that is a very small default rate considering only one actually failed out of the 71 loans I've made in the past year-and-a-half.

"I have always believed helping your fellow man is profitable in every sense, personally and bottom line." -- Mario Puzo

-Nik
3∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
::Nikoneer
09/16/12 6:17 PM GMT
Checking on Team Caedes today I see we are only $100 away from reaching $10,000 in loans made by this team. It might seem daunting but the majority of those loans has been simply re-loaning what's been paid back to us. And that's with only 12 members on the team. Imagine how much more we could accomplish if more of you became members?

-Nik
3∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
.marcaribe
09/25/12 8:29 PM GMT

I just made my 20th loan on Kiva. Our team of 12 is now only $75 from the $10,000 mile stone. Please think of joining at this time and help us reach 10K. If you join you will get free money! ...here is are the details of this fabulous bonus offer. When one of your friends joins Kiva, you’ll both get to make a $25 loan for free.
For a limited time, existing lenders can make loans for free too! For each new user you successfully invite to Kiva, we’ll give you a $25 bonus to make a loan for free. Now how can you beat a deal like that!
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Please Join The Caedes Kiva Team
+purmusic
10/15/12 3:29 AM GMT
Congratulations to Diane on reaching her 20th loan.

And a thank you to Nik for his continuing efforts to highlight Kiva and their ongoing global efforts in our space.


In a word.. nice. :o)
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.marcaribe
11/05/12 7:05 PM GMT
The Caedes Kiva Team blew passed the 10K milestone and is up to 10,225. You heard of the miracle of compound interest my loans have the same effect more loans equal faster paybacks to roll over into new loans
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Please Join The Caedes Kiva Team
+purmusic
02/28/13 11:38 AM GMT
~ le bump ~


:o)
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+purmusic
03/27/13 11:35 AM GMT
"What do you think of people in poverty?

Maybe what Jessica Jackley once did: "they" need "our" help, in the form of a few coins in a jar.

The co-founder of Kiva.org talks about how her attitude changed -- and how her work with microloans has brought new power to people who live on a few dollars a day."

Jessica Jackley: "Poverty, money -- and love"
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.Nikoneer
03/28/13 1:10 PM GMT
With my 93rd loan, made this morning, the Caedes Kiva team reached $12,000 in loans. The site shows us having collectively made 444 loans but when I count them, member by member, the team total I arrive at is 571. Whichever is correct, it still reflects the impact the 14 members of our team have made on lives across the globe, since our "philcUK" started the team September 4, 2008. It's never too late to join with us in this endeavor and, even if you make just one loan, you've made a difference in someone's life. Think about it.

-Nik
1∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
+purmusic
03/28/13 3:56 PM GMT
Congratulations, Nik.. and good good on you and the Caedes Kiva team. :o)


That speech linked to above.. still moves me every time I view it. I would encourage anyone that is interested or has some questions, et al.. to do likewise.
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::Nikoneer
04/18/13 2:35 PM GMT
Talking with Phil recently, it seems there are a few misconceptions about the way Kiva works that I'd like to address:

--as to who 'collects the interest,' any interest charged to lenders is done so by the lending organisation in that particular country not kiva or its members.

--Kiva isn't a charitable organisation but a facilitator of micro finance funding and, as far as we're aware - no financial institution in the world loans money interest free.

---Microfinance is usually understood to entail the provision of financial services to micro-entrepreneurs and small businesses, which lack access to banking and related services due to the high transaction costs associated with serving these client categories. The two main mechanisms for the delivery of financial services to such clients are (1) relationship-based banking for individual entrepreneurs and small businesses; and (2) group-based models, where several entrepreneurs come together to apply for loans and other services as a group. For some of us, microfinance is a movement whose object is "a world in which as many poor and near-poor households as possible have permanent access to an appropriate range of high quality financial services.

--Traditionally, banks have not provided financial services, such as loans, to clients with little or no cash income. Banks incur substantial costs to manage a client account, regardless of how small the sums of money involved. In addition, most poor people have few assets that can be secured by a bank as collateral. By providing loans to entrepreneurs, we sidestep that problem.

--Personally, I've always seen it in terms of the old saw about giving a man a fish and you feed him for a day. At Kiva we see our loans as not only teaching him to fish, thereby feeding him for life, but providing him with a loan for the right fishing gear as well. I realize the Caedes site is experiencing a downturn in it's fortunes lately, many people leaving and others working against the site, but even if the site folds Kiva, and our Kiva team will not. You can still join the team.

-Nik
4∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
tropical
12/11/14 1:56 AM GMT
Good going Kiva team, kudos to all of you! making $16,000 dollars in loans to this worthy cause...it gets A+++ in my book and well worth donating to along with Doctors without Borders
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::Nikoneer
07/19/17 11:09 PM GMT
It's now late July, 2017, and our total is 665 loans for $17,750. The totals have dropped to only a quarter of what they were in 2015 (with still half the year to go), despite having 15 members. 10 of them I do not know at all and most of those made just one loan and nothing since. As the old Arlo Guthrie song about "Alice's Restaurant" goes, "If you want to make a change, ya gotta sing laaaaawwd!" That includes Kiva. You have to remember, though, it's not really a donation ("Where did my money go?"), it's a loan. You can get it back, to keep or to loan again. Since July of 2010 I've made 185 loans and have only put in a few dollars here and there (not the full $25) for at least the last 50 loans... I just keep reloaning the same money but making a difference with each one. If you want to feel good about something, you should try this.

-Nik
1∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
+purmusic
07/20/17 1:05 AM GMT
"It's now late July, 2017, and our total is 665 loans for $17,750."

That's impressive, still.


My hat's off to those that participate in this community venture; Kiva Lending Team: Caedes.

And if you are curious, or, sitting on the fence.. here's one of the cofounders speaking about the project: Jessica Jackley: "Poverty, money -- and love"

"What do you think of people in poverty?

Maybe what Jessica Jackley once did: "they" need "our" help, in the form of a few coins in a jar.

The co-founder of Kiva.org talks about how her attitude changed -- and how her work with microloans has brought new power to people who live on a few dollars a day."
4∈ [?]
::Nikoneer
06/06/21 7:46 PM GMT
It appears that it has been four years since a comment concerning Kiva was posted. Perhaps with all the strife, political turmoil, and the threat of death from a virus, all around the world, people have had their hands and heads too full. I retired in 2016, before the insanity started, and while I am not at all in the neighborhood of being rich, I made the right choices while working and my wife and I are able to live without the heavy challenges that far too many face today. Because of the way that Kiva lending works, I have been able to continue loaning, mostly by simply reloaning the money paid back to me by entrepreneurs. One month from today I will have been here for eleven years. Since I became a Kiva lender on July 6, 2010, I have made 214 loans in 60 countries, as a member of three teams, two of my own making. The reloaning of payments has resulted in the $1,106.00 of my own money (which I can get back, when and if I want) being reloaned to the tune of $5,475.00. That is just shy of a 5 to 1 investment in hard-working people around the world!

I realize that millions of people who have always been fully self-sufficient, are currently still struggling with unemployment, putting food on the table, and trying to keep their families safe and under their own roof. For those of us who can afford to maintain the occasional Kiva loan, there has never been a time more dire, with people more in need of help and encouragement.

If you can make even just a single loan, that is terrific. If you cannot, there is no shame in that. I wish you the absolute best of luck, for you and your loved ones. Vaccinations are generally free in the U.S., and hopefully in other countries as well. If you are able to get yours, please do so. The sooner the world is vaccinated, the sooner we can get back to life as it should be, and small entrepreneurs around the world will have hope again.

-nikoneer
0∈ [?]
If you've ever wanted to make a difference but found it hard to believe that one person could... check out the Kiva Team Caedes discussion thread and discover that anything is possible.
=Samatar
06/07/21 1:49 AM GMT
I'm still contributing to Team Caedes! My favourite charity since as you say I get to keep reusing my money. My total after relends is $550, small change compared to the nearly $19,000 (!) lent by the team in total but of course it will only get higher with time.
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-Everyone is entitled to my opinion-
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