Kiva vs HelloAgain

Dreams are universal - opportunity is not. You can unlock opportunity for people without access to a bank - whether they’re an entrepreneur, a student, a farmer, a single mom or a refugee. Lend as little as $25 to a microfinance loan on Kiva and make an exponential impact by re-lending your money over and over again. Join our community of 1.9 million people who have crowdfunded $1.4 billion in loans to 3.4 million borrowers in over 90 countries. How Kiva works: 1. Choose a borrower – Browse by category and find an entrepreneur to support. 2. Make a loan – Help fund a loan with as little as $25. 3. Get repaid – Kiva borrowers have a 96% repayment rate historically. 4. Repeat – Relend your money or withdraw your funds. We envision a financially inclusive world where all people hold the power to improve their lives. More than 1.7 billion people around the world are unbanked and can’t access the financial services they need. Kiva is an international nonprofit, founded in 2005 in San Francisco, with a mission to expand financial access to help underserved communities thrive. We do this by crowdfunding loans and unlocking capital for the underserved, improving the quality and cost of financial services, and addressing the underlying barriers to financial access around the world. Through Kiva's work, students can pay for tuition, women can start businesses, farmers are able to invest in equipment and families can afford needed emergency care. By lending as little as $25 on Kiva, you can be part of the solution and make a real difference in someone’s life. 100% of every dollar you lend on Kiva goes to funding loans. IT'S A LOAN, NOT A DONATION We believe lending alongside thousands of others is one of the most powerful and sustainable ways to create economic and social good. Lending on Kiva creates a partnership of mutual dignity and makes it easy to touch more lives with the same dollar. Fund a loan, get repaid, fund another. YOU CHOOSE WHERE TO MAKE AN IMPACT Whether you lend to friends in your community, or people halfway around the world (and for many, it’s both), Kiva creates the opportunity to play a special part in someone else's story. At Kiva, loans aren’t just about money—they’re a way to create connection and relationships. PUSHING THE BOUNDARIES OF A LOAN Kiva started as a pioneer in crowdfunding in 2005, and is constantly innovating to meet people’s diverse lending needs. Whether it’s reinventing microfinance with more flexible terms, supporting community-wide projects or lowering costs to borrowers, we are always testing and learning. LIFTING ONE, TO LIFT MANY When a Kiva loan enables someone to grow a business and create opportunity for themselves, it creates opportunities for others as well. That ripple effect can shape the future for a family or an entire community. Learn more about how Kiva works here: https://www.kiva.org/about/how

HelloAgain is FREE — Download Today! HelloAgain — Stay Connected to the People Who Matter Life gets busy. Days turn into weeks, and sometimes we realize we haven't spoken to someone we care about in far too long. HelloAgain is built to help you stay connected with family, friends, and the people who matter most in your life. Through simple check-ins, thoughtful reminders, private conversations, calls, shared memories, and connection insights, HelloAgain makes it easier to turn the intention to reach out into action. STAY CONNECTED WITH YOUR CIRCLE Create your Circle with the people who matter most. See recent check-ins and connection activity so you can recognize when it may be a good time to say hello. 5-SECOND CHECK-INS Sometimes you don't need a long conversation to let someone know how you're doing. With Hello Check-In, quickly share how you feel with your Circle — from Great or Fine to Lonely, Not Okay, or needing someone to talk to. CARING MOMENTS HelloAgain gives you gentle reminders to reconnect with people you care about. When life gets busy and you forget to make that call or send that message, Caring Moments can help bring that person back to mind. PRIVATE MESSAGES & VOICE NOTES Sometimes a simple “hello” is enough. Send private messages and voice notes to people in your Circle and keep meaningful conversations going. VOICE & VIDEO CALLS Move naturally from a message to a conversation. Make voice and video calls directly through HelloAgain when you want more than a text. GROUP CALLS & VIDEO Bring the people you care about together with group voice and video calls. Connect with family and friends even when everyone is in different places. MEMORIES Save and share meaningful moments with people you trust. HelloAgain helps make your relationships about more than conversations — it gives you a place for the moments you want to remember. CONNECTION RHYTHM Understand how you're staying connected over time. Connection Rhythm provides private insights into your communication patterns and helps you notice relationships you may want to reconnect with. GENTLE CONNECTION SUGGESTIONS HelloAgain can suggest thoughtful opportunities to reach out based on your connections and activity. The goal isn't to pressure you or score your relationships — it's to make remembering the people you care about a little easier. PRIVACY & CONTROL Your relationships are personal. HelloAgain gives you control over your Circle, check-ins, communication, notifications, and privacy preferences. BECAUSE CONNECTION SHOULDN'T BE LEFT TO CHANCE We often intend to call someone later, check on a friend tomorrow, or reconnect with a family member when things slow down. Then life gets in the way. HelloAgain helps turn those good intentions into meaningful moments of connection. HelloAgain — No one should disappear without someone noticing.