A list of PHPI's current NGO's can be found when you click on "Plant a Seed" on our homepage. We are working hard to expand our partnerships to all regions across the globe at a pace that is healthy for both our current partners and for PHPI.

If we do not partner with an NGO in your area of interest, you can check out the Mix Market, a great website that collects data on microfinance institutions around the world. You may be able to find a microfinance institution in your area of interest on this site. Please refer to their website at http://www.mixmarket.org.
Eventually PHPI would love to work with partners in the United States. For now, we are not currently facilitating loans in the U.S., as it is more complex legally to facilitate peer-to-peer lending in the United States. By focusing on lending in the developing world, more social good can be created for less money; it is cheaper to start a business in the developing world than in the developed world. Finally, please know that there is already an organization which facilitates peer-to-peer online lending in the US - check them out at https://www.prosper.com.
PHPI posts all available contact information for its NGOs on our "Plant a Seed" page. If you click on the name of an NGO, you will be taken to the partner's Profile Page where you will find its contact information.

Please note that many of the NGOs that work with PHPI have limited access to the Internet, may not speak English, and have a very small number of staff members. For these reasons, it may be difficult for a partner to respond to your inquiry.
PHPI and its NGOs cannot facilitate direct communication between donors and entrepreneurs at this time. Many entrepreneurs do not have access to the Internet, they speak another language than you do, and PHPI's NGOs do not have enough time to facilitate this kind of communication.
PHPI and its NGOs cannot facilitate visits at this time. If even a fraction of PHPI's donors visited the entrepreneurs they support, our NGOs would be swamped and unable to proceed with their primary function of working with entrepreneurs.
PHPI posts new loans on its website every day, so if you don't see a loan that meets your criteria today, please check back again soon. Loans do move through the site quickly, as the average time it takes for a loan posted on PHPI's website to receive full funding is quite short.
If you know of a microfinance institution (MFI) that fits PHP's criteria, please contact the MFI directly and ask them to review our minimum criteria to ensure they are a good fit and, if so, to submit an MFI profile using our "Become a Partner Organization" page.

Below are a few ways in which you can become involved with PHPI.

  • Become a PHPI donor and support entrepreneurs as they lift themselves out of poverty.
  • Join PHPI as a volunteer ambassador. Visit our "Get Involved" section and learn about our "Ambassador Program."
  • Keep an eye out for future positions and volunteer opportunities with PHPI on our Get Involved section.
Group loans are a powerful innovation in microfinance, because they are often less expensive for partners to manage in terms of time and resources. With a group, microfinance institutions can leverage the local knowledge of individuals to select good borrowers; disburse many loans at once; collect repayments in a group; and more easily follow up on delinquent loans, as group members experience peer pressure and have an incentive to work with each other to ensure on-time repayment. By using these efficient aspects of group lending, microfinance institutions can issue more loans in smaller amounts to the poorest.
In a group loan, each member of the group receives an individual loan but is bound by a 'group guarantee' (sometimes called 'joint liability'). Under this arrangement, each member of the group supports the others for paying back the loans of their fellow group members using peer pressure, a very effective method if someone is delinquent or defaults.