Twenty-five days of Kiva

Yesterday, I introduced my students to Kiva. Well, actually, a friend of mine, Chris Harbeck, who teaches grade 8 in Winnipeg, Skyped into my grade 10 classroom and introduced my students to the Kiva challenge.

Chris explained the basics of Kiva, a microfinance organization that is changing people’s lives; it connects people globally to make a difference. But I don’t believe the change is experienced only one way. And that’s the magic of Kiva.

In the past, Chris’ students have raised hundred of dollars that have been invested, and reinvested, to help change lives. And they do it one quarter at a time.  The exciting thing is that the Kiva challenge soon begins again.

If you’ve never heard of microfinance, you’re not alone.  Essentially, microfinance is the supply of loans, savings, and basic financial services to the poor.  Banks don’t tend to lend to the poor.  Consequently, the people who need to access money the most, are often least able to do so.  Microloans are small amounts of money to help entrepreneurs start, or expand a business. Often these loans help people who are working hard to create a better life for themselves and their families.  The repayment rate is 98.90% — exceptional!

How Kiva Works from Kiva on Vimeo.

Kiva allows people all over the world to participate in this process through their website, for  as little as twenty-five dollars.  This loan, combined with the loans of others, helps entrepreneurs quickly fund their entire project.  Once funded, entrepreneurs slowly pay back the loan at a rate that isn’t debilitating to their financial situation.  The money you lend, slowly accumulates back in your account, which you can then lend to another entrepreneur.

My students love this idea.  They love the idea of making a difference in the world for as little as $25.  So often we think the world’s problems are large and insurmountable. They’re not.  The truth is, one entrepeneur at a time, we can make a difference.  But to my students this isn’t the most powerful thing.  It’s the stories.

After we Skyped with Chris, we watched the following TED talk from Jessica Jackley, co-founder of Kiva, in which she tells the story of how she came to create Kiva.

After watching this, one of my students commented, “I love this. I love how it humanizes people and treats them with dignity.  They’re people who work hard and need a little bit of help. They have dreams, just like we have dreams.”  They didn’t know that before. There are many myths about that poor that we need to debunk.

We have a generation of students who want to make a difference, who want to know that their lives make a difference.  But they don’t want to do it from a distance.  They want to know the stories.  And that’s the magic of Kiva. It allows you to see who you’re helping, what they want to do to change their lives.  As the money is paid back, you receive updates about the entrepreneur.

So I asked if they wanted to take on the Kiva Challenge. “Absolutely!”  One of my students commented, “I’ve never been as excited about anything, as I am about this!”  Literally, before my eyes, I saw the spark become a flame.  Even though I’ve done this before, you never really know what your students are going to grab hold of and become deeply passionate about. But when you see it, you need to fan the flame a bit, and then get out of the way.

For the rest of the period, my students explored the Kiva site.  Occasionally, excited comments would burst forth, “look at how many loans have been given!”  “Look at how much money has been lent!”  My students feel like they’re becoming part of something that is much, much larger than themselves, and that’s part of the appeal.  It’s also simple. With Kiva, you don’t have to raise $10,000. $25.00 helps to change the world.

Thus far, we’ve created a Kiva team.  We’ve taken a class photo, and we’ve hashed out a rough draft of a Kiva challenge video that we will start shooting Monday.

So what is the Kiva challenge?

Each of my students has committed to bring $1.00 a day, for 25 days.  At the end of this time, each of my students will be able to invest with the entrepreneur of their choice and watch how things change.

But beyond this, they want to challenge other classrooms to do the same. $25 to help change the world.  Are you game?

About shelleywright

I love education & learning, which likely explains why I'm a teacher. My areas are ELA, Sr. sciences, and technology. My classroom is best described as a student-centred, tech embedded pbl/inquiry learning environment. Furthermore, I am Buck Institute for Education National Faculty member
This entry was posted in Uncategorized. Bookmark the permalink.

11 Responses to Twenty-five days of Kiva

  1. rcantrell38 says:

    I loved Kiva. A fantastic way for kids to make a difference. Students are introduced to real people needing help at a level that almost all can afford.They also have a kids kiva. No sure but it may be for younger students.Now I need to check out the TED video. Have a fabulous Friday with your students.
    Is it ok if I post your post on my blog? I’ve been a Kiva booster for a couple of years.

  2. Hi Shelley … First let me thank you and your students for your inspiring UnPlug’d video “Why Social Justice Matters” at: Although I am a retired educator, I would love to be a student in your class!

    My blog post “How to Make A Difference in December” at: “jump-started” Chris Harbeck and his students to begin donating quarters each day in December. They then contributed the monies raised to local charities and eventually Chris used Kiva to send funds to needy individuals worldwide. Chris’ dedication and ability to adapt the ideas and improve upon them is what makes this endeavour so exciting. I tried to capture how this activity blossomed in my post “UnPlug’d: Why Sharing Matters *” at:

    I can see from your blog post that you and your students are adapting and improving on this “charitable challenge” by identifying the two impressive Kiva-related videos. Although I have viewed several TED Talks, I must admit that Jessica Jackley’s portrayal of the importance of stories was so moving. Thanks for sharing these resources and I look forward to following along on your students’ charitable journey.

    In closing, I came across a resource that might be of interest to you and your students.Bill Ferriter wrote a post “One Tweet CAN Change The World” at: First of all, I was impressed with Karl Fisch’s initiative to introduce Kiva by asking members of his PLN to invest in a $25 loan and asking them to also send out two $25 Kiva gift cards to two of their friends requesting that this expanding process continue. Although Bill is a Grade 6 teacher, I was impressed with the downloads and ideas that he provided to challenge his students to investigate the pros and cons of different kinds of Kiva loans together with the accompanying rubric.

    I trust that you and your readers will find this information useful and will share it with others.

    Once again, thanks for caring & sharing.

    Take care & keep smiling 🙂 Brian

  3. Absolutely!! The more the people who see it, the better. Thanks!!

  4. howard zugman says:

    Thanx Shelley for introducing your students to Kiva. Its a wonderful website and will be a positive influence for them. I’ve been a Kiva loaner for almost four years.

  5. Pingback: Life-Long-Learners

  6. One word. Awesome. If you could add a link at 25 Cents wiki that would be great. Good to push other classes to be as philanthropic as your students.

  7. Tom Pinit says:

    Hi Shelley, this is great bringing the power of Kiva and microfinance into your classroom! I just made my first three loans this month. You can read about my experience here:
    It is quite empowering and addicting. Keep up the good work!

  8. howard zugman says:

    Hi Shelley,

    If you give the name of your Kiva team, I’ll be happy to join and send some Kiva loans through your team. (In the meantime I’ll try to find your team through the Kiva team listing with some “educated guesses”).

  9. It’s team Wrightsroom! Thanks, Howard!!

    • howard zugman says:

      Thanx Shelley. I’ll make a loan today to get your team started. Let me know each time your team makes a loan and I’ll match it (with the same borrower if possible or at least in the same country).

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s