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Loan that change lifes

Loan that change lifes

Kiva’s mission is to connect people, through lending, for the sake of alleviating poverty.

Kiva empowers individuals to lend to an entrepreneur across the globe. By combining microfinance with the internet, Kiva is creating a global community of people connected through lending.

Pendo Luisi, 27 years old, borrowed $175 to open a cafe in Dar es Salaam, Tanzania.

Kiva was born of the following beliefs:

-People are by nature generous, and will help others if given the opportunity to do so in a transparent, accountable way.

-The poor are highly motivated and can be very successful when given an opportunity.

-By connecting people we can create relationships beyond financial transactions, and build a global community expressing support and encouragement of one another.

Kiva promotes:

-Dignity: Kiva encourages partnership relationships as opposed to benefactor relationships. Partnership relationships are characterized by mutual dignity and respect.

-Accountability: Loans encourage more accountability than donations where repayment is not expected.

-Transparency: The Kiva website is an open platform where communication can flow freely around the world.

As of November 2009, Kiva has facilitated over $100 million in loans.


Chelsa Bocci | Community Marketing Director

Chelsa has been with Kiva from the beginning and was responsible for establishing Kiva’s Microfinance Partnerships program where she managed a great deal of relationships with Kiva’s Field Partners, primarily in Africa, and oversaw Kiva’s Microfinance Operations programs; Inventory Management and Kiva’s expansive Fellows Program. Chelsa is currently responsible for growing and further engaging Kiva’s community through three channels: Kiva Lending Teams, Social Networks, and Events. Prior to Kiva, Chelsa was a Corporate Recruiter and Immigration Specialist with Barclays Global Investors. She returned to the U.S. following a period of extensive world travel and work abroad; including Social Work with HIV-positive children in South Africa and tsunami relief efforts in Thailand and Indonesia. Chelsa received her B.S. in Psychology from Santa Clara University, and has completed certifications in Social Performance Management, Framework for Reporting/Analysis/Monitoring/ Evaluation (FRAME), Behavioral Interviewing/Talent Selection, Risk Management Strategies, and Human Resources Management.

Ali Carroll | Customer Service Coordinator

Ali comes to Kiva with an entrepreneurial background and experience living in rural East Africa. As the Customer Service Coordinator, she works to provide Kiva lenders with the best possible experience on Kiva and she ensures that the thousands of emails and phone calls that come into Kiva every month get answered. Ali graduated from Wake Forest University with a B.A. in Communications and Studio Art.

Austin Choi | General Counsel

Austin has served as Kivas General Counsel since July 2008 and brings over 10 years of legal experience working with global high technology companies. He has previously held positions in the legal departments of ArcSight, Inc., InVision Technologies, Inc./GE InVision, Inc., and the law firm of Fenwick & West LLP. He also served as a judicial law clerk at the United States Court of International Trade. Austin holds an A.B. in Economics from Harvard College, where he studied economic development issues, and a J.D. from Harvard Law School.

Matt Flannery | Co-Founder and CEO

Matt began developing Kiva in late 2004 as a side-project with while working as a computer programmer at TiVo, Inc. In December 2005 Matt left his job to devote himself to Kiva full-time. As CEO, Matt has led Kiva’s growth from a pilot project to an established online service with partnerships across the globe and millions in dollars loaned to low income entrepreneurs. Matt is a Draper Richards Fellow, Skoll Awardee and Ashoka Fellow. He graduated with a BS in Symbolic Systems and a Masters in Philosophy from Stanford University.

Bennett Grassano | Director of Development

Bennett comes to Kiva with a background in Social Enterprise, Technology, and Nonprofit Development & Fundraising. He has worked as a leader in community-based arts and education in San Francisco’s Richmond district, a Web Developer at the Internet search engine LookSmart, and as a founding partner in an open source Web development & hosting company in San Francisco. Prior to joining Kiva, Bennett served as Director of Institutional Development for TechSoup Global where he earned a grand prize in the inaugural Yale School of Management-Goldman Sachs National Nonprofit Business Plan competition for TechSoup Stock, a self-sustaining online service that has distributed over $1 billion in technology product donations to NGOs in 24 countries. Bennett is a graduate of West Virginia University with a BA in History, Philosophy, and Foreign Languages. He is an avid musician, Tae Kwon Doist, yogi, snowboarder, and bicycle commuter.

Jen Hamilton | Chief Financial Officer

Jen comes to Kiva with an entrepreneurial background and has extensive finance experience through her roles in the corporate and investment banking world. She began her career working with Citibank Canada in Toronto and later moved to the Bay Area to become a technology investment banker first at DLJ and later Credit Suisse and UBS. Jen’s passion for international travel and culture led her to found On The Road Travel (www.ontheroadtravel.com) an online resource for independent travelers in Latin America. Jen holds an MBA from INSEAD (Fontainbleau, France) and a Bachelor of Commerce from Queen’s University (Kingston, Canada). Jen is an avid yogi, cyclist, skier and recovering triathlete.

Stefanie Madrid | Accounting Manager

Stefanie serves as Kivas Accounting Manager joining Kiva in July of 2008. She brings with her seven years of accounting experience in varying industries, her most recent of which as the Finance Director at VolunteerMatch, a San Francisco based nonprofit focusing on using internet technology to help everyone find a good place to volunteer. She is responsible for maintaining Kivas financial record keeping, the annual audit, and business analytics. Stefanie earned her B.S. in Finance and Business Administration from the University of Southern California and is currently pursuing her MBA at the University of San Francisco.

Rupa Modi | East Coast Development Manager

Rupa is responsible for developing East Coast operations in efforts to build awareness, fundraise, and seek new business opportunities. In 2007, Rupa contributed to raising program funds for Kiva from renowned foundations and donors. Additionally, Rupa was a featured speaker at the Wharton Technology Conference and moderated the Social Entrepreneurship Panel at the Wharton Entrepreneurship Conference in Philadelphia. Rupa is the Founder and CEO of ModiaDesigns, and she carries a deep interes


Management Programs with Financial, Marketing, Retail

Management Programs with Financial, Marketing, Retail

Management institutes and schools are aware of the requirements of future students and always work towards offering various types of management programs. Some of the main management programs that are offered by B-Schools are Two Years Post Graduate Full Time management course, One Year Post Graduate Full Time management course, Part Time MBA, Executive MBA, Online MBA and Joint MBA.

Chartered Financial Analysis course is one of the best financial management programs. Other financial management programs are MBA in Finance and Marketing, Chartered Accountancy, Management of Business Finance, Cost & Management Accountancy. Some b schools also offered foundation course under financial management programs. Financial Management Programs are frequently offered by top companies to develop the leadership skills and analytical power of their employees. People gain industry-oriented experience in working areas such as financial planning, auditing, capital markets and accounting. For enrolling into a financial management program, you must have a graduation degree in Economics or Commerce. However the admission criteria differ from one b school to another and in one country to another. Candidates having relevant working experience are preferred. You’ll have to appear for entrance tests such as FMS, CAT, and GMAT for some of financial management programs.  

Executive management programs provide executives an opportunity to earn a Postgraduate Diploma in Business Management without interrupting their career. It is known as EMBA and it is equivalent to an MBA. Executive management programs enable the business professionals, executives, and managers of a number of organizations to boost their careers and look for growth prospects. Executive MBA is mainly designed for the professionals to renew their managerial skills. For enrolling into an executive management program, the candidates should have passed their graduation from a recognized institute or university. They must have three years of work experience at executive or manager level. The candidates willing to pursue an executive management program will have to appear for GMAT. Executive management programs train the candidates to take up a scientific approach while dealing with various aspects of business and handle responsibilities of senior management efficiently.

Many big organizations are entering into the retail market. A retail career is beneficial today. After completing a course in retail management, you’ll be recruited in supervisory or specialist roles. You can also enter into Even Management or Analyst profiles. Candidates having a degree in Retail Management course are engaged in the processes of client communication, merchandise shipments, sale and administration of stores. Topics such as Pricing, Store Operations, Human Resources Competitive Analysis and Merchandising are also taught through retail management course.  For enrolling into a retail management course at bachelor level, you should have passed 10+2 level exam from any recognized board or university. Candidates having a graduate degree or diploma with relevant work experience can apply for a master level retail management course.

There are many b schools in USA. Some of b schools which have been recognized as top b schools across the world are listed below:

Harvard University (MA)
Stanford University (CA)
University of Pennsylvania (Wharton)
Massachusetts Institute of Technology (Sloan)
Columbia University (NY)
University of Chicago
New York University (Stern)
Kellogg School of Management Northwestern University (IL)
Columbia Business School (NY)
Chicago Graduate School of Business, University of Chicago