 Hi everyone, it's MJ and I was waiting for this to hit $10,000 before making this video But Kiva are matching all loans to women dollar for dollar because of women's day and those no longer women's day in South Africa If we look in Hawaii, there's still 13 minutes left so we can still make it We can still get the dollar for dollar so we have to be quite quickly But yes, unfortunately, it means that we didn't hit the nice $10,000 mark For those of you who are wondering where did I get the $10,000 from it came from you the subscribers because I've got a Udemy page and on Udemy people come and they buy my courses and we then take that money and we send it to to Kiva The reason why I don't just make the courses free is because I found as an educator That students watch the videos or they take it a lot more seriously if they've paid for it If you make something free the students are like, maybe this quality is not that good or I'll come to it another time But if you make them pay for it, they're invested in the course and you actually get better results So yes, we want education to be free But we are charging students so that they learn a little bit better but you're I kind of then take all of the money and We're gonna throw it into to Kiva now for those of you who don't know what Kiva is Kiva is an interest-free Loan platform where people in need can loan money or lend money at 0% interest And what I like about this type of donation is that it comes with dignity These people then have the opportunity To repay the money that they've borrowed in order to do some sort of economic upliftment activity for themselves But we are very mindful of time So I can't talk too much. We've got 10 minutes We've got to do this in less than 10 minutes so that we can make sure of the thing I guess I guess there is another country beyond Hawaii, but let's not let's not get it So I have made some loans. I have you know tested this little thing out just to make sure that it's legit You can see some people have already started to to repay I mean this one's already 56% so you do stop building up a little bit of a loaning portfolio But essentially what's what's so loveliest and also because a lot of us are you know, we're actually is Professionals it's very good that we give back to society and we we yeah, we try to be more generous So what we want to do is let's let's make some loans this person needs that 300 Wow alone of 500,000 so let's let's give yeah, let's give 500 for this one We'll click lend now Yeah, yeah, no we want to find more loans come on. We're running out of time this person is a member of vulnerable Egyptian community Okay, let's go with also 500 I don't think can we go more than 500 on a single loan? Let's see this one here Palestine helps to buy tools machinery for her salon I think you are it's 500 the max that we can go. Okay. Let's go lend now I'm Clicking just a loan of 4,000 helps a member to buy more pineapples passion fruits and mangoes and Let's go 500 cheer and so yeah What we're looking for is the two times matching from Kiva because what happens is a lot of people lend money to Kiva and then they never come and withdraw it and then Kiva sits on this huge pile of money that they're legally Not entitled to so But they can then generate interest on this money and I think with that interest they can then use it to do the the times to This person only needs 175 so we'll definitely Make sure we match that one As we have 10 minutes. We have to we have to go quickly Kenya alone of 300. Oh, yeah So let's just add that one there How we had we're 2,900. I think we've we've really made loans of 800 So we just need to kind of Yeah, get this one in there as well I guess it's good that there's a limit of 500 gives you that diversification benefit Philippines Only 75 dollars. Okay, cool. We can lend now. Are we gonna are they're not going to be enough loans for us? I think because everybody was probably taking advantage of this times to and we definitely want to make sure that we We get in it in time because yeah Although if they're times to matching and then we're meeting the thing. I'm not sure how exactly it's gonna go, but Let's see what we can do. I mean technically, yeah, we only need to go 200 and then they're gonna do the do the match I know there's a lot of loans. There is definitely a lot of loans to go so Karen Kenya bus farming and We'll add that one there Vicky also from Kenya We'll go to 75 Land and then what's quite nice is this will I mean you can see they've got a time limit on which to meet their goal So they only have 44 hours left. Hopefully we're gonna we're gonna match that Let's go 200. This one's still got two days to go We're at 5,000 let's go 125 lend now to Kenya And Yeah, no even must work on their User interface, they should see that if we don't want to do the whole There we go and then I Think these are two times matching by anonymous support So even though these aren't necessarily women, they're still getting the the matching by anonymous supporter So we can also Add up on these ones as well Okay, we had 6,000 How are we doing for our time in Hawaii? Because maybe let's just check it out before Okay, we've got five minutes five minutes left This is not how like you're in the business world people take a lot more time to to make loans they do the whole credit Yeah, due diligence and all of that those actually been like my best videos on YouTube so far have been my credit modeling ones Which I made I think back in 2018 Those are the videos that that seem to be going so well Got all these credit models, but like I say this is Quite a nice way just to get some diversifications that they limit us to 500 It just does make it. Oh, we're gonna make I think no, I think we're gonna we're gonna be fine We're gonna we're gonna make it in time How much do we still need to go? Okay? No, no, I think we've gone. We've gone over. We don't have 808. Okay. Let's go to check out No, we are a little bit short We are Come on internet. Come on. Okay. So we might have to reduce this last one I'm gonna Have to do zero to Kiva directly just so that we Have enough left over Just check total 87. Okay. Yeah, we're 87 over. So let's just make this All 20 Okay, we 12 over Okay, that should be fun We should make it. Okay, we're all awesome complete order And check the time in Hawaii We've got five minutes to go This is Yay, we've done it and we did 23 borrowers. I mean and that's that's the Michael Jordan number 23 How did we get that so so perfect? Um, so yeah, we've still got $12 left I think the minimum loan you can make is 25, but I mean we can come to like what's quite nice Often you've made all of your loans. You can come see your your portfolio So I know I'm a little bit misleading because I wanted to like you I say $10,000 We might just go 9,500 in the thumbnail And then people were like, why not 10,000? Why not 10,000? Well, because because yeah, the Udemy money goes into PayPal and then from PayPal we can go in So yeah, you can see now that we've done the because of women's day We were trying to make use of the the double dollar You can see that 93.2 of my loans are going to ladies Location is quite cool. You can see Kenya is right at the top of the list But job when I was doing it like by the day I was trying to find a whole bunch of of different different countries Sector we can also kind of see how the different sectors your agriculture is one of the big ones And there's food services retail housing arts education We should actually have focused on education because then it's like people paying for education to help with education Um, and then what is field partner? I guess these are the people on the ground to actually Kind of make the loans and I think this guy's working in Kenya. Hence why he's also the other big chunk but you then kind of get um emails notifications of when people repay the amounts back And what's great about that is that you can then use that money to then Reinvest back into like other people's So Loans made what does 99? percentage does that mean we've made In like the top 1% number of loans. I think most people maybe go big on those But anyway, this is kiva. Let me try and show you like their their homepage Um, it is a really nice place to to distribute money Especially if you're over the internet and you don't know which charity to to do Or you want to give money more directly to people? Like I say, I played with kiva for a whole year So you can see we first dropped 25 dollars in it just to make sure that it was legit So, okay, you this this seems like it's it all is in order because a lot of charities You want to be careful of scams and that kind of stuff, but we've done it Um, we managed to get it in time And yeah, hopefully what happens now in the future is Some of these loans will be repaid not all of them. You will experience some sort of default You'll also experience some sort of currency devaluation because just the currencies that you're lending in So of this 9500 that we've landed We're probably going to get 8500 back Which we can then use next year to invest or can either just go straight as we get it Or we can wait until you didn't me pays out another big chunk and we can go back and make Another lend and this is kind of yeah a way to To just be generous, especially as a professional. It's good to to give back to the community And yeah, so you guys can all feel great because this was your money that That I was dishing out on the internet So thank you so much for everyone who has bought a course on you to me And who has been part of this channel keep well and I'll see you guys for another video soon. Cheers