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A Case Study of Kiva.org
The world’s first p2p
microfinance website
OUR
RESEARCH PROBLEM
Web 2.0 and social
networking practices are
affecting the way people
and institutions lend,
borrow and manage money.
OUR
RESEARCH PROBLEM
How do people judge
microfinance lenders and
applicants to determine who they
support and to what degree?
 What implications does Web 2.0
have for philanthropic ventures?

From a
sociopsychological
perspective
From a
cybernetic
perspective
QUESTIONS

What is happening on the
borrower’s side?
• How do borrowers hear about Kiva?
• What do they actually see when they access the
website?
• Do they have internet access and what do they
know about the Kiva platform?

What is the relationship between MFIs and
borrowers?
QUESTIONS
Is Kiva more successful than
traditional microfinance
organizations?
 How is success measured?

AN ETHNOGRAPHIC STUDY
Kiva Fellows
 How do they determine
the credit worthiness of
small MFIs and provide
due-diligence to lenders
using the Kiva platform?
Borrowers
 Ascertain their
experience of the
Kiva platform
 How do they come to
associate themselves
with a given MFI?
DATA COMPARISON
Kiva
98%
repayment rate
Traditional
MFIs?
Broader credit
market?
DATA COMPARISON
What are Kiva’s measures
for success?
 Loan repayment vs. sustained business
ventures
 MFI’s reports of borrower behavior

How do different MFIs intermediate between the
Kiva platform and borrowers?
TEXTUAL ANALYSIS
How are conventions employed in
Kiva’s design?
Kiva
MySpace
TEXTUAL ANALYSIS
How are conventions employed in
Kiva’s design?
eBay
Kiva
Facebook
TEXTUAL ANALYSIS
How are conventions employed in
Kiva’s design?
Kiva
Facebook
Through the CCT lens
INTERDISCIPLINARY APPROACH
Communication
Platform and MFIs
Lenders and borrowers
Culture
First and third world
Credit worthiness
Technology
Web 2.0
Philanthropy
We welcome your
questions
Join the CCT 505 lending group
http://www.kiva.org/community/viewteam?team_id=1711