Formal financial institutions were not designed to help those who don't already have financial assets - they were designed to help those who do. So what do poor people do?

Microfinance is a general term to describe financial services to low-income individuals or to those who do not have access to typical banking services.

Microfinance is also the idea that low-income individuals are capable of lifting themselves out of poverty if given access to financial services. 

a-thread wants to provide those opportunities whenever we can. With your 5%, a-thread will re-loan each dollar to Kiva loan applicants. Whether they go towards purchasing a cow, or building a grocery store, or paying for an education, micro loans give those less fortunate a chance at their dreams. And we think that's plenty a cause worth funding. Check out to learn more about how we can all make a difference.