Kiva.org, Person-to-Person Lending, and the Conditions of Intercultural Contact

Emerging groups such as Kiva International are using the Internet to make person-to-person microlending available by matching mostly First World lenders with Third World borrowers. This study analyzes 635 lender profile Web pages on Kiva.org to identify how Kiva International and its lenders imagine this intercultural, financial exchange through an analysis of discourses that lenders use in their lender profiles to describe their motivations for lending. This article first provides background on Kiva International and the role of the Internet in addressing power inequalities, and then explains the methodological approach. Next, we reveal the themes that emerged in our analysis of lender profiles, addressing the ways that neoliberal discourses of individualism and personal responsibility guide lenders’ motivations for participating in Kiva.org's microlending process. Finally, we offer discussion and implications of this deployment of neoliberal discourse for intercultural communication, new media, and global financial exchanges, arguing that seemingly liberal and progressive Internet-discourses can perpetuate problematic neoliberal notions.