Circle of Sharing

Harmony Mandala has teamed up with

What is Kiva?
Kiva's mission is to connect people through lending for the sake of alleviating
poverty.

Kiva is the world's first person-to-person micro-lending website, empowering
individuals to lend directly to unique entrepreneurs in the developing world.

The people you see on Kiva's site are real individuals in need of funding - not
marketing material. When you browse entrepreneurs' profiles on the site, choose
someone to lend to, and then make a loan, you are helping a real person make
great strides towards economic independence and improve life for themselves,
their family, and their community. Throughout the course of the loan (usually 6-
12 months), you can receive email journal updates and track repayments. Then,
when you get your loan money back, you can relend to someone else in need.

Kiva partners with existing expert microfinance institutions. In doing so, they
gain access to outstanding entrepreneurs from impoverished communities world-
wide. Their partners are experts in choosing qualified entrepreneurs. That said,
they are usually short on funds. Through Kiva, their partners upload their
entrepreneur profiles directly to the site so you can lend to them. When you do,
not only do you get a unique experience connecting to a specific entrepreneur on
the other side of the planet, but the microfinance partners can do more of what
they do, more efficiently.

Kiva provides a data-rich, transparent lending platform. They are constantly
working to make the system more transparent to show how money flows
throughout the entire cycle, and what effect it has on the people and institutions
lending it, borrowing it, and managing it along the way. To do this, they are using
the power of the internet to facilitate one-to-one connections that were previously
prohibitively expensive. The individuals featured on their website are real people
who need a loan and are waiting for socially-minded individuals like you to lend
them money.

You choose who to lend to - whether a baker in Afghanistan, a goat herder in
Uganda, a farmer in Peru, a restaurateur in Cambodia, or a tailor in Iraq - and as
they repay their loan, you get your money back. It’s a powerful and sustainable
way to empower someone right now to lift themselves out of poverty.

Become a HARMONY MANDALA TEAM MEMBER. Members of Kiva Lending Teams
continue lending as individuals, but they have the option to count each loan they
make towards the overall impact of their teams.

Harmony Mandala has chosen Kiva to give back to our world community. When we
help those in need to lift themselves out of poverty we are helping to bring peace
and harmony to our world.

Please join us today as a team member. Go to Team Harmony Mandala
Once there you can join the team, view recent activity, read about the individuals
our team is assisting and make loans. Remember you lend as an individual,
therefore, you choose who you lend to and then designate your team as Harmony
Mandala. As a team we can make a greater impact on many more lives.

Where there is
great love,
there are always
great miracles.
~ Mother Teresa

Circle of Sharing

Recipients of the first
Harmony Mandala Team Loans