Kiva is an organization that allows people to lend money via the Internet to microfinance institutions in developing countries around the world and in the United States, which in turn lend the money to small businesses and students. It is a 501(c)(3) non-profit organization headquartered in San Francisco, supported by loans and donations from its users and through partnerships with businesses and other institutions. Kiva itself does not charge any interest; the loans made by Kiva members are passed interest-free to the independent field partner indicated for each loan.