Kiva Zip's Innovative Approach to Lending

In conventional lending, underwriting decisions are based on averages, and algorithms, credit scores and cashflows. They do not reflect a would-be borrower’s character, and are un-nuanced — “black and white.” Kiva Zip, a non-profit based in San Francisco, is pioneering an innovative, character-based approach to lending that allows for a more colorful underwriting canvass.

Conscientious Capitalism

Entrepreneurial capitalism could provide important answers for questions about social justice and environmental sustainability.