KIVA is a non-profit organization operating in the microfinance sector. By combining microfinance and the internet, Kiva has created a global community connected through lending. In fact, Kiva is the first microcredit website using a peer-to-peer platform for lending. Kiva has used this system to develop a network of lenders and borrowers around the world.

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Kiva and MiCrédito work together to bring financing to university students in Nicaragua. Kiva lenders provide financing to MiCrédito interest-free. MiCrédito, in exchange, creates partnerships with local universities to finance student projects. The individual university assumes the collateral for its students who in-turn are able to access financing to fund their projects, learn how to manage their finances, learn how to access markets, and most importantly, they learn how to apply their skills learned in school and gain the experience necessary to run a successful business upon graduation. Successful students who demonstrate responsibility, hard work, and business skills also have the possibility of applying for further funding from MiCrédito upon graduation.