Kiva Labs

Promoting innovations in financial inclusion

Exploring and developing financial products across new markets can be risky, and often the most marginalized communities are left out because of stigmas or discrimination.

As a technology-driven international nonprofit with 15 years of experience in microcredit lending, Kiva is uniquely positioned to build, test, and measure the impact of new products and innovations to expand opportunity for underserved people and communities and to increase global financial access.

Kiva Labs builds on these unique strengths in partnership with our global Lending Partners by practicing and promoting new approaches to social impact measurement, technology, and impact investing.

Kiva Labs Programs

With Kiva Labs we identify innovations and launch new programs to validate and scale solutions in the broader financial ecosystem.

Partners Lab

Microcredit loan products tested in partnership with non-traditional international organizations to expand the frontiers of the informal financial sector and promote financial inclusion.

Kiva U.S.

0% interest, no-fee loans to marginalized entrepreneurs and small business owners in markets across the United States. Kiva U.S. is built on a community partnership “hubs” model.


Investments in mission-driven international small businesses to help them scale impact and growth.

The Kiva Labs Mastercard Foundation Partnership

Since 2016, Kiva and the Mastercard Foundation have partnered to test, develop, and scale high-impact loans serving the unique needs of smallholder farmers and rural populations in sub-Saharan Africa.

The Mastercard Foundation is supporting the Kiva Labs approach to push the boundaries of microcredit and to further strategies with the potential to improve the lives of people. As part of this partnership, Kiva has been able to bring together over 50 of our partners at the Kiva Labs Innovation Conference, design and deploy technical assistance to over 30 partners, and deepen our commitment to impact measurement and management.

Invest in ongoing innovation to scale financial access for those who need it most.

Invest in ongoing innovation to scale financial access for those who need it most.