The Kiva New York Team is a team of lenders that are on Kiva, a microfinance website that allows users to make small loans to entrepreneurs and business owners. These loans, when added up, can make a huge difference. By 2010, Kiva will have facilitated loans totaling $100 million - all through peer-to-peer loans. Once the chosen recipient of user's loans pays back Kiva, lenders have the choice to reinvest that money or remove their funds from Kiva.com.