Kiva anotanga pfungwa iyi muna 2005, kupa wokutanga web-inobva basa kubudisa munhu chikwereti Profiles kuti mari. Kiva anounganidza mari kuti omunharaunda intermediary microfinance masangano iyo kuposita nyaya uye reserved nokuda borrowers. Lenders anogona kupa sezvo shoma sezvo $ 25 kuti zvikwereti zvavanosarudza, uye kugamuchira mari yavo shure sezvo borrowers kudzorera. Kiva anowira kure kuva yakachena peer-to-peer rudo, pakuti zvikwereti vari disbursed vasati mari ne vanokweretesa uye borrowers havatauri nevanokweretesa. Zvisinei, ichangopfuura kupararira Internet munyika akaita zvechokwadi peer-to-peer zvikwereti kuwedzera nyore mhiri miganhu.
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