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Matt Flannery, creador de los microcréditos 2.0

3 mayo 2009 - 19:02 - Autor:

La idea es sencilla: una plataforma on line de microcréditos que pone en contacto a emprendedores de países en vías de desarrollo con pequeños prestamistas (o donantes, ya que no hay intereses en las operaciones) ubicados, en general, en los países ricos. Y todo con el aval  de entidades y empresas locales. Esto es kiva.org, una idea puesta en marcha por Matt Flannery, un treintañero de San Francisco (EE.UU) que en 2005 dejó su trabajo como programador para dedicarse a fondo a esta iniciativa que, parece, funciona.

Matt Flannery (izquierda) y el presidente de Kiva, Premal Shah

Matt Flannery (izquierda) y el presidente de Kiva (derecha), Premal Shah. Foto: Daniel Lemin

Así se desprende de los últimos datos. En abril han superado su récord en cuanto a dinero prestado: cerca de 5 millones de dólares, con un ritmo diario de 150.000 dólares. Desde que empezaron, estos son las cifras, grandes cifras:

  • Más de 70 millones de dólares en préstamos
  • 484.852 prestamistas
  • 169. 405 emprendedores (un 82% mujeres)
  • Porcentaje de impagos: 1,82%

Detrás de todas estas cifras están miles de personas que han podido desarrollar sus pequeños negocios, gente con nombres y apellidos procedentes de todos los rincones del planeta. Y detrás está una infraestructura tecnológica y humana que se sostiene mediante patrocinios de grandes corporaciones y donaciones de los prestamistas registrados en el site (en cada transacción te invitan a donar a Kiva un 15% del montante total de tu préstamo, pero se puede suprimir).

¿ Cuál es el secreto del éxito? Hace un mes, Matt ofreció una conferencia en Seattle y Elena Acín (una de las pioneras del emprendimiento social en España con la Fundación Chandra) asistió y recogió las ideas clave en su blog Botellas de luz.  ¿Cómo empieza todo? Casualidad, Matt escuchó a Muhammad Yunus (Premio Nobel de la Paz, fundador del Grameen Bank)  y se fue a África para conocer el funcionamiento de los microcréditos.

Recomendaciones. Empieza poco a poco con expertos en plataformas similares (en su caso Ebay), ahorra todo lo que puedas (tardaron dos años en tener oficinas), sé transparente, asume riesgos, aprende de los fracasos (un clásico de los emprendedores) y no te asustes cuando el Departamento de Seguridad de los EE.UU te da el listado de terroristas mundiales para que compruebes si estás prestando dinero a alguno de ellos.

En el futuro, Matt está pensando en ampliar su modelo a cualquier lugar en el que haya pobreza, lo que implica operar también en EE.UU.Y, ahora, la pregunta es ¿qué motiva a Matt, qué hay de la regla de William? Lo cuenta en una entrevista reciente en el Seattle Times

Crecí en una familia cristiana … mi madre fue  voluntaria para World Vision, mi hermana trabajó para World Vision.  Me di cuenta  de que tenía espíritu emprendedor y que era para lo que estaba preparado. Inicié varias empresas y fracasé. Todo cambió cuando fui a África, con Jessica (su esposa y confundadora de Kiva). Me encantó hablar con la gente de Kenia sobre sus planes y sueños. Se trataba de un ambiente diferente del que había percibido cuando apadrinaba niños, tenía una idea de África como un lugar desolado. Me pareció divertida y vibrante. Quería transmitir ese sentimiento de esperanza… Las personas tenemos muchas cosas en común si logramos romper las barreras que nos separan. Los vecinos no solo están a tu alrededor, también están en Nicaragua o Camboya.

Y una última pregunta, ¿tendría éxito este modelo en España?

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Sí, leí el artículo de Elena Acín hacen unas semanas, muy interesante. Matt Flannery es un buen ejemplo de emprendedor social. La idea de Kiva es muy potente.

Saludos!

Matt Flannery, creador de los microcréditos 2.0…

La idea es sencilla: una plataforma on line de microcréditos que pone en contacto a emprendedores de países en vías de desarrollo con pequeños prestamistas (o donantes, ya que no hay intereses en las operaciones) ubicados, en general, en los paíse…

Respecto a tu última pregunta, igual te pueden responder mejor en http://www.comunitae.com

Microcréditos 2.0…

La idea es sencilla: una plataforma on line de microcréditos que pone en contacto a emprendedores de países en vías de desarrollo con pequeños prestamistas (o donantes, ya que no hay intereses en las operaciones) ubicados, en general, en los paíse…

Está genial la iniciativa. Ojalá en tiempos de crisis tomarán nota de proyectos como este y se invirtiera el modelo que se ha demostrado un fracaso: el de enriquecer a unos pocos y empobrecer a la mayoría. Enhorabuena.

[...] cuando asistimos a un desarrollo tremendo de las redes sociales y cuando hay sitios como Kiva, del que ya hemos hablado aquí, que han encontrado su lugar en internet y tienen el reconocimiento [...]

[...] de una empresa tradicional, en lo que podríamos calificar como emprendedores sociales. Ahí está Kiva o Better World [...]

[...] empezaba con el blog, conté la historia del creador de Kiva, Matt Flannery. Matt Flanney, derecha, se ha enfrentado a una auténtica guerra de blogs. Foto: [...]

[...] Matt Flannery, creador de Kiva, el revolucionario sistema de microcréditos on line. Crecí en una familia cristiana … mi madre fue  voluntaria para World Vision, mi hermana trabajó para World Vision.  Me di cuenta  de que tenía espíritu emprendedor y que era para lo que estaba preparado. Inicié varias empresas y fracasé. Todo cambió cuando fui a África, con Jessica (su esposa y confundadora de Kiva). Me encantó hablar con la gente de Kenia sobre sus planes y sueños.Se trataba de un ambiente diferente del que había percibido cuando apadrinaba niños, tenía una idea de África como un lugar desolado. Me pareció divertida y vibrante. Quería transmitir ese sentimiento de esperanza… [...]

[...] de micro-emprendedores en países en desarrollo a la que ya dediqué dos posts: uno para comentar su historia y la de su fundador y otro para aclarar el sistema de gestión de los [...]

[...] microcréditos on line de Kiva, la base de la pirámide, Bill Drayton y Ashoka, la movilización de los agricultores y productores [...]

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