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Kiva Initiatives – Kiva ( is the premiere organization for providing loans, via the concept of micro-lending for entrepreneurs around the globe. The visibility of this concept was significantly enhanced, and the story told by Nobel Prize Winner Muhammad Yunus in his book Banker To The Poor – Micro-Lending and the battle against world property. The TBTG Foundation established a lending team, as a member of Kiva, called The Thanks Be To God Fund, to provide loans to businesses in Africa and other developing countries. To date over in excess of 800 loans have been provided. The default rate on these loans is less than 5% and the loans are indeed providing entrepreneurs with the opportunity to increase their standard of living. In addition, it is the commitment of the fund to utilize all monies repaid from the loans to either make new loans or to finance other projects to improve the local standard of living. You can contribute to our Kiva initiative by logging onto and joining our team.