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Christine23456

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4 reviews

Review for Kiva.org: Loans That Change Lives, San Francisco, CA, USA

Rating: 4 stars  

As some have mentioned, most of the loans do have quite high interest rates. I wrote to Kiva about this and they explained that the cost of living increase in these countries can be very high (even 20-30%) and also these small finance companies also have to look after loans that don't get repaid. Often the only loans available to these people where they are have much, much higher loan rates and so in the big picture, Kiva's rates are not entirely unjustified. All in all, Kiva is providing access to loans which these people cannot get through the regular banks and most are finding it makes a great improvement in their lives. Also, there are some loans on the site which do not get disbursed to the "loanee" until the loan is fully funded. KIVA has a new site called KIVA ZIP where the loans must be fully funded BEFORE being disbursed to the "loanee". The Zidisha site, I think, is also a good option - where funds must be fully funded before being disbursed to the person needing the loan and the interest rates are much lower (between 0 and 12 approx.) but an additional 5% is paid in interest on top of the listed interest rate. The interest is paid to the person making the loan (i.e. me, you, anyone who goes on and makes a loan). It's an interesting one and, of course, one can make a little interest oneself while helping someone else in a far away land change their life. I don't think, however, we should be beating up on Kiva too much as they are, all in all, doing a good thing and are innovating all the time.

Was your donation impactful?

Likely

How likely is it that you would recommend that a friend donate to this group?

Likely

How likely are you to donate to this group again?

Likely

When was your last experience with this nonprofit?

2013

Role:  Donor

Review for Children International, Kansas City, MO, USA

Rating: 5 stars  

I sent a gift of money (Special Gift) to my sponsored child in the Philippines and was delighted with the items that CI bought for my child and the family. Food, including a very large bag or rice, a backpack for school, mattress and also they completed an incomplete wall of the house. I have also gotten lovely pictures of my child with a couple of small packages I've sent in the past. I would recommend anyone send an extra $ amount or a small package. It's so fun to see the results when you receive the pictures.

Was your donation impactful?

Definitely

How likely is it that you would recommend that a friend donate to this group?

Definitely

How likely are you to donate to this group again?

Definitely

When was your last experience with this nonprofit?

2012

Role:  Donor

Review for Children International, Kansas City, MO, USA

Rating: 5 stars  

I am delighted to have just begun to sponsor a young girl in the Phillipines. When I saw her picture on the Children International website, I knew she was the one I wanted to foster. I am so happy to be able to assist another child with their various needs as they grow up. Many of us are so fortunate, and if more of us shared our wealth in this way, an even bigger difference could be made than is being made. I have already sponsored 4 other children with this agency and look forward to doing it again. I have always received documentation that gifts and letters were received and received letters from the children. It is such a respected organization and I have much experience with it and so I know it will be fulfilling. Also, importantly, because it is Children International it will be a "direct benefit" type of sponsorship rather than "community centred". I prefer this type of sponsorship. I don't mind the fact that approximately 1/3 of 1% of my donation goes to the CEO's salary, as this is an effective and valuable charity which achieves its goals.

Role:  Donor & I have sponsored several chidren through this agency.

Review for Children International, Kansas City, MO, USA

Rating: 5 stars  

This is really an excellent charity. I've been a donor for many years and will continue and hope to add additional children to my sponsorship. It seems that people wiritng negatiave comments are not really seeing the big picture. I like their "all encompassing approach", i.e. having community centres and using youth leadership to assist to keep costs down. Regarding the amounts donated for gifts that someone wrote in about, this amount is not just for birthday gifts, it is for 4 gifts per year, Christmas, Easter, Birthday and Special Hug Day. Their administrative costs are within the acceptable range and they meet all the BBB criteria. I would urge anyone to explore their webiste and think about sponsoring through them. They are really efficient and I've found they really know what they are doing when it comes to spending my extra amounts that I send on my children (called special gifts). There are other wonderful organizations such as World Vision, SOS, Plan, etc., but I prefer Children International.

Role:  Donor & I have sponsored children for many years.