 Kiva works with more than 300 microfinance institutions, social impact businesses, schools and non-profit organizations around the world, called "Field Partners," that post profiles of qualified local entrepreneurs on the Kiva website.Lenders browse borrower profiles on kiva.org and choose an entrepreneur they wish to fund.The lenders transfer their funds to Kiva through credit card processing or PayPal, which waives its transaction fee in these cases.