a case study of kiva.org the world’s first p2p microfinance website
TRANSCRIPT
A Case Study of Kiva.orgA Case Study of Kiva.orgThe world’s first p2pThe world’s first p2pmicrofinance websitemicrofinance website
OUR RESEARCH PROBLEMOUR RESEARCH PROBLEM
Web 2.0 and social Web 2.0 and social networking practices are networking practices are affecting the way people affecting the way people
and institutions lend, and institutions lend, borrow and manage money.borrow and manage money.
OUR RESEARCH PROBLEMOUR RESEARCH PROBLEM
How do people judge How do people judge microfinance lenders and microfinance lenders and applicants to determine who they applicants to determine who they support and to what degree?support and to what degree?
What implications does Web 2.0 What implications does Web 2.0 have for philanthropic ventures?have for philanthropic ventures?
From aFrom a
sociopsychological sociopsychological perspectiveperspective
From aFrom a
cyberneticcyberneticperspectiveperspective
QUESTIONSQUESTIONS What is happening on the What is happening on the
borrower’s side?borrower’s side?• How do borrowers hear about Kiva?How do borrowers hear about Kiva?• What do they actually see when they access the What do they actually see when they access the
website?website?• Do they have internet access and what do they Do they have internet access and what do they
know about the Kiva platform?know about the Kiva platform? What is the relationship between MFIs and What is the relationship between MFIs and
borrowers? borrowers?
QUESTIONSQUESTIONS
Is Kiva more successful than Is Kiva more successful than traditional microfinance traditional microfinance organizations?organizations?
How is success measured?How is success measured?
AN ETHNOGRAPHIC STUDYAN ETHNOGRAPHIC STUDY
Kiva FellowsKiva Fellows How do they determine How do they determine
the credit worthiness of the credit worthiness of small MFIs and provide small MFIs and provide due-diligence to lenders due-diligence to lenders using the Kiva platform?using the Kiva platform?
BorrowersBorrowers Ascertain their Ascertain their
experience of the experience of the Kiva platformKiva platform
How do they come to How do they come to associate themselves associate themselves with a given MFI?with a given MFI?
DATA COMPARISONDATA COMPARISON
Kiva
98%repayment rate
Traditional
MFIs?Broader credit
market?
DATA COMPARISONDATA COMPARISON
What are Kiva’s measures What are Kiva’s measures for success?for success?
Loan repayment vs. sustained business Loan repayment vs. sustained business venturesventures
MFI’s reports of borrower behaviorMFI’s reports of borrower behavior How do different MFIs intermediate between the How do different MFIs intermediate between the
Kiva platform and borrowers?Kiva platform and borrowers?
TEXTUAL ANALYSISTEXTUAL ANALYSIS
KivaKiva MySpaceMySpace
How are conventions employed in How are conventions employed in Kiva’s design?Kiva’s design?
TEXTUAL ANALYSISTEXTUAL ANALYSIS
KivaKiva
FacebookFacebook
How are conventions employed in How are conventions employed in Kiva’s design?Kiva’s design?
eBayeBay
TEXTUAL ANALYSISTEXTUAL ANALYSIS
KivaKiva FacebookFacebook
How are conventions employed in How are conventions employed in Kiva’s design?Kiva’s design?
Through the Through the CCTCCT lenslens
INTERDISCIPLINARY APPROACHINTERDISCIPLINARY APPROACH
Communication
Platform and MFIs Lenders and borrowers
Culture
First and third world Credit worthiness
Technology
Web 2.0 Philanthropy
We welcome your We welcome your questionsquestions
Join the CCT 505 lending groupJoin the CCT 505 lending group
http://www.kiva.org/community/viewteam?team_id=1711