Kiva and Team Melindaspenpals.com
    We are proud to be associated with Kiva and their efforts to help the working poor. $25 is all it takes to help
    change the course of someone's life. Whether that person needs a fishing boat, livestock, farm equipment,
    construction supplies, or other work related items, you can make a real difference with a small loan. Please
    check out Kiva's website and see what they are all about.
David - Captain of Kiva's Team
Melindaspenpals.com
    Our goal is to bring in enough members to make a real difference in the
    international community. While our primary focus on Kiva will be small
    business owners and entrepreneurs in the Philippines, we are willing to
    support anyone regardless of their country of origin.

    Do not think of your contributions to Kiva as donations or gifts, but
    instead micro loans which help people help themselves. As the loans
    are repaid to your account, feel free to fund other projects that interest
    you. While there are no guarantees your loans will be repaid, the
    default rate is very respectable for this type of endeavor.

    If you become a lender on Kiva or join Team Melindaspenpals.com, you
    remain in complete control of your own account at all times.
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