I signed up for Zidisha this week and loaded up a small amount to test the water with this new site. I love the concept of Micro-lending and what really excited me about Zidisha is that they have a Peer-to-Peer Model rather than using middlemen.I would compare this company with Kiva, who do a lot of great […]


Zidisha represents something new in the peer to peer lending universe: a micro-lending platform that is actually direct between lenders in the U.S. and developed world and borrowers in poorer developing nations. Now with Zidisha, you have the opportunity to loan money directly to hard-working entrepreneurs in the third world over the Internet.

Zidisha: Comparing Microfinance Alternatives. Close. 2. Posted by. Team Reddit Member.

Zidisha vs kiva

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Up to $50 per person, and $2,000 total – IE if 40 people make a loan to Zidisha of $25 I will make 40 loans to Kiva of $50 each. 2013-10-31 I was a bit troubled by the criticism of Kiva, and wanted to check out what alternatives were out there. I came to the conclusion that my major gripes with Kiva stem from its dependency on MFIs (microfinancing institutions) as local middlemen. Ki 2012-04-24 2015-09-21 I initially was a huge fan of Zidisha because of all the bullshit the microlending providers pull. Which is exactly like this.

For example, Kiva, the world's largest microlending website, reports any loans not yet written off as repaid, even if they are still outstanding with the borrower. Kiva recently launched Kiva Zip, which eliminates the middleman by sending loans directly to mobile phones — just like Zidisha does. Zidisha has never used intermediaries.


I’ll have to look at Kiva Zip as it appears they might be trying to emulate the good practices of Zidisha here and that makes it a win for everyone. And with a personal loss rate at about 17% I would actually prefer a higher interest rate. Let's keep in mind that the rates offered through Zidisha is way lower than what banks and other micro-lenders offer.

Zidisha vs kiva

Apr 7, 2014 (fixed fees on small loans would be the main trick; stuff like flat-fee vs. [5] http:// www.huffingtonpost.com/julia-kurnia/zidisha-vs-kiva-z.

Zidisha vs kiva

It is the first online micro lending community that directly connects lenders and borrowers, no matter the distance or disparity among them. 2015-05-04 2020-04-09 Zidisha allows people to lend small amounts of money directly to entrepreneurs in developing countries. It is the first peer-to-peer microlending service to link borrowers and lenders across international borders without a local microfinance institution intermediary. The organization is named after the Swahili word zidisha (pronounced [zi.ɗi.ʃɑ]), which means "grow" or "expand". Peer-to-peer lending: Nonprofit organizations like Zidisha and Kiva are examples of peer-to-peer lending. Zidisha is a database of borrowers that lenders speak with directly.

Zidisha vs kiva

For instance the interest through Kiva is typically 30 to 75%. Also take into consideration inflation. Almost a decade later, Kiva is still raising the bar simply because they’re making chocolates, gummies, and mints that taste superb with highs that feel just as good. And because the potency of their edibles typically ranges from 2.5 to 5mg of THC per piece, getting the microdose or precise dose you need is a breeze. Zidisha — сайдан тэрилтэтин тэрийэр.
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Zidisha vs kiva

If you run a small or medium sized business with up-to 30 employees and frequently make calls on the go this is the product for you. Download the SME Voice and Data Application Form. Click here for Zidisha Plus Voice Bundles Terms and Zidisha was originally inspired by Kiva.org who popularized the concept of philanthropy through a peer to peer model. Zidisha, like Kiva is a non-profit micro finance company that launched in 2009. They launched believing that they could improve on the traditional model due to the increase of technology in developing countries in recent years.

Julia has 3 jobs listed on their profile. See the complete profile on LinkedIn and discover Julia’s Finally, Mr. Shah's comparison of repayment performance at Kiva and Zidisha left out a relevant fact: at Zidisha, lenders can offset credit risk with interest earnings. For loans issued through Zidisha during the past six months, interest income has often exceeded expected default losses - so there is a reasonable likelihood that lenders today will preserve the value of their funds over time.
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In January 2013 I wrote about Zidisha, a micro-lending site that connected altruistic lenders with those in need of loans in poorer Countries, seemingly with many in Africa. In that post I compared Zidisha’s model with that of Kiva. The major reason that I was starting to dislike Kiva is that they often charge interest […]

The earliest, and simplest, examples of kivas are known from Chaco Canyon for the late Basketmaker III phase (500–700 CE). A place for Zidisha members worldwide to get to know each other better, and to help each other interact with the Zidisha microlending platform. Home Forums > Lender Questions > Lender Poll: "Your Loans" page vs. Kiva is the path-breaking, fast-growing person-to-person microlending site. It works this way: Kiva posts pictures and stories of people needing loans.

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Mar 4, 2017 Kiva lets you lend directly to entrepreneurs in the developing world at lower (or zero) interest rates than the market. It has been suggested by Julia Kurnia (the founder of similar charity Zidisha.org) that Credit

2012-08-27 · Here are the main differences between Kiva and Zidisha: Interaction Between Lenders and Borrowers. Kiva does not normally allow for direct interaction between lenders and borrowers. As stated in the article, Kiva has recently launched a pilot program called Kiva Zip (http://zip.kiva.org/), following in Zidisha's footsteps. It's currently in beta, so the risks will be high to begin with, but Kiva does have a wider reach than Zidisha. It will be interesting to see how they do things, and how far the Zidisha model can be scaled. I will match double your loan to Zidisha and loan it to Kiva. Up to $50 per person, and $2,000 total – IE if 40 people make a loan to Zidisha of $25 I will make 40 loans to Kiva of $50 each.

I first came across Zidisha on a radio program with Rose Aguilar in San Francisco. Kiva had refused to participate, so Rose arranged for Zidisha to participate by phone. Knowing very little about them I was a little nervous. However, … Continue reading →

6 virtual presentation tools that’ll engage your audience; April 7, 2021 Zidisha estas 501 (c) (3) ne-profita organizaĵo kiu permesas al homoj pruntedoni malgrandajn monsumojn rekte al entreprenistoj en evolulandoj. [1] Ĝi estas al la unua kunul-al-kunula mikropruntedonad servo por interligi prunteprenantojn kaj pruntedonantojn trans internaciaj limoj sen loka mikrofinancinstitucioperanto. [2] La organizo estas nomita laŭ la svahila vorto zidisha (prononcita … View Julia Kurnia’s profile on LinkedIn, the world’s largest professional community. Julia has 3 jobs listed on their profile.

It is the first peer-to-peer microlending service to link borrowers and lenders across international borders without a local microfinance institution intermediary. The organization is named after the Swahili word zidisha, which means "grow" or "expand". The Zidisha website facilitates microlending transactions between individual web users worldwide and computer-literate, low 3.