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Overclock.net Micro-Loans - Page 2

post #11 of 24
12/20/09 at 10:08pm
This is really cool, I just signed up and made my first donation of many ( albeit small) loans. I work retail and to say the least i tend to find cash on the floor and no one claims it. Now its time to pay it forward ^_^
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Cosmos 1000
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post #12 of 24
12/20/09 at 10:10pm
Thread Starter 
That is awesome! Good for you and welcome to the team!

It may pay off for you Win Your Kiva.org Loan!
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post #13 of 24
12/23/09 at 6:21pm
This sounds interesting, I shall read the website what it is about and possibly join.
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post #14 of 24
12/24/09 at 1:10pm
Just bought one for my sister-in-law and her husband for Christmas.
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post #15 of 24
12/24/09 at 1:19pm
Still trying to get the gist of this. So do YOU actually gain interest through the loans or is it strictly a non-profit helping organization.
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post #16 of 24
12/24/09 at 1:31pm
non-profit, though you are pretty much guaranteed to get your money back.
Imagine if everyone was involved in this?
Third world countries would become first world pretty quickly! that would be amazing!
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post #17 of 24
12/28/09 at 12:26pm
Just joined and made my first donation.

We should have a banner underneath our folding banner on the home page.

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post #18 of 24
1/22/10 at 8:04am
  • StormX2
  • ♫♪.ılılıll|̲̅̅●̲̅̅|̲̅̅=̲̅̅|̲̅̅●̲̅̅|llılılı.♫♪
im not really entirely understanding of this. So we give money to poor people, they do what they do, and we actually get money back?

Do we get a % mroe back? or is it always the same you paid?
Just saying I am against risk.. and based on the numbers this does not looks as much of a risk at all and seems to be helping people across the planet at the same time - which is nice for sure.

But is there anyform of larger payout, since someone somewhere is making out well with exchange rates etc.

Also, one thing I learned from the website.

Atheists, Agnostics, Skeptics, Freethinkers, Secular Humanists and the Non-Religious Team
They outnumber Christians and team OBAMA!!! haha
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post #19 of 24
1/22/10 at 8:20am
Quote:
Originally Posted by StormX2 View Post
im not really entirely understanding of this. So we give money to poor people, they do what they do, and we actually get money back?

Do we get a % mroe back? or is it always the same you paid?
Just saying I am against risk.. and based on the numbers this does not looks as much of a risk at all and seems to be helping people across the planet at the same time - which is nice for sure.

But is there anyform of larger payout, since someone somewhere is making out well with exchange rates etc.

Also, one thing I learned from the website.

Atheists, Agnostics, Skeptics, Freethinkers, Secular Humanists and the Non-Religious Team
They outnumber Christians and team OBAMA!!! haha


Yeah, you are essentially donating money to someone and a perk is you most likely will get it all back. For example, Mohamed, the guy I donated my first $25 to (http://www.kiva.org/app.php?page=bus...=160746&_te=ty) is now in the process of repaying his loan.

When one of these people wants a loan, they go to a Field Partner who is detailed on the right. You can look there to see how good they are with the donating. The Field Partner for Mohamed has a 10% profitability so I have a good change of getting $27.50 back on my $25 loan.

If you scroll down to the bottom of Mohamed's page, you'll see the repayment terms, 14 months. He has already payed his first month and actually payed more than he had to.

So yeah, if you pick who you loan your money to wisely, you have almost an assured return on your money. Picking a good field partner will also help if your loan-ee fails to pay it back since they (the Field Partner) will be doing well on other loans to cover the loss. Even if you don't get the full amount back you've helped someone, if only for a short time, have a better life.
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post #20 of 24
1/22/10 at 10:51am
It was my understanding that I would only receive back what I put in and the field partner would make the stated amount of interest. The interest return is just a little bonus I guess. Pretty nice process all the way around.
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