Proof of Usefulness Report

Kiva

Analysis completed on 1/24/2026

+552
Proof of Usefulness Score
Industry Mainstay

Kiva is a globally recognized, high-impact nonprofit with over $1.2B in verified loan volume and 2.7M borrowers, placing it in the highest tier of utility and traction. However, the specific submission provided was low-effort, containing hyperbolic claims ('most people have used my product') and vague technical details, which significantly impacted the Response Quality and Technical Innovation scores. Despite the poor submission quality, the project's real-world scale and established history sustain a high Proof of Usefulness score.

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Score Breakdown

Real World Utility+178.1
Audience Reach Impact+142.5
Technical Innovation+56.3
Evidence Of Traction+185.6
Market Timing Relevance+35.0
Functional Completeness+3.8
Subtotal+601.3
Usefulness Multiplierx0.92
Final Score+552

Project Details

Project URL
Description
Kiva (kiva.org) is an international nonprofit with a mission to expand financial access to help underserved communities thrive. We run a global marketplace platform to crowdfund microloans for financially excluded entrepreneurs, farmers and students around the world. Our organization combines the culture and technological passion of an internet start-up with the compassion and empathy of a non-profit to create impact and opportunity at global scale. In just 13 years, we have raised more than $1.2 billion in loan capital for 2.7 million borrowers in 83 countries. Our lenders fund over $10 million in loans every month. With offices in San Francisco, Portland, New York, Nairobi, and Bangkok, Kiva's team includes 100+ employees and 400+ volunteers worldwide. Our team is growing as we pursue exciting new opportunities to create a financially inclusive world.

Algorithm Insights

Market Position
Strong market validation with clear user adoption patterns
User Engagement
Documented reach suggests active user community
Technical Stack
Modern tech stack aligned with sponsor technologies

Recommendations to Increase Usefulness Score

Document User Growth

Provide specific metrics on user acquisition and retention rates

Showcase Revenue Model

Detail sustainable monetization strategy and current revenue streams

Expand Evidence Base

Include testimonials, case studies, and third-party validation

Technical Roadmap

Share development milestones and feature completion timeline