Jessica Jackley: Poverty, money — and love

The stories we tell about each other matter very much. The stories we tell ourselves about our own lives matter. And most of all, I think the way that we participate in each other’s stories is of deep importance. I was six years old when I first heard stories about the poor. Now I didn’t hear those stories from the poor themselves, I heard them from my Sunday school teacher and Jesus, kind of via my Sunday school teacher. I remember learning that people who were poor needed something material — food, clothing, shelter — that they didn’t have. And I also was taught, coupled with that, that it was my job — this classroom full of five and six year-old children — it was our job, apparently, to help. This is what Jesus asked of us. And then he said, “What you do for the least of these, you do for me.” Now I was pretty psyched. I was very eager to be useful in the world — I think we all have that feeling. And also, it was kind of interesting that God needed help. That was news to me, and it felt like it was a very important thing to get to participate in. But I also learned very soon thereafter that Jesus also said, and I’m paraphrasing, the poor would always be with us. This frustrated and confused me; I felt like I had been just given a homework assignment that I had to do, and I was excited to do, but no matter what I would do, I would fail. So I felt confused, a little bit frustrated and angry, like maybe I’d misunderstood something here. And I felt overwhelmed. And for the first time, I began to fear this group of people and to feel negative emotion towards a whole group of people. I imagined in my head, a kind of long line of individuals that were never going away, that would always be with us. They were always going to ask me to help them and give them things, which I was excited to do, but I didn’t know how it was going to work. And I didn’t know what would happen when I ran out of things to give, especially if the problem was never going away. In the years following, the other stories I heard about the poor growing up were no more positive. For example, I saw pictures and images frequently of sadness and suffering. I heard about things that were going wrong in the lives of the poor. I heard about disease, I heard about war — they always seemed to be kind of related. And in general, I got this sort of idea that the poor in the world lived lives that were wrought with suffering and sadness, devastation, hopelessness. And after a while, I developed what I think many of us do, is this predictable response, where I started to feel bad every time I heard about them. I started to feel guilty for my own relative wealth, because I wasn’t doing more, apparently, to make things better. And I even felt a sense of shame because of that. And so naturally, I started to distance myself. I stopped listening to their stories quite as closely as I had before. And I stopped expecting things to really change. Now I still gave — on the outside it looked like I was still quite involved. I gave of my time and my money, I gave when solutions were on sale. The cost of a cup of coffee can save a child’s life, right. I mean who can argue with that? I gave when I was cornered, when it was difficult to avoid and I gave, in general, when the negative emotions built up enough that I gave to relieve my own suffering, not someone else’s. The truth be told, I was giving out of that place, not out of a genuine place of hope and excitement to help and of generosity. It became a transaction for me, became sort of a trade. I was purchasing something — I was buying my right to go on with my day and not necessarily be bothered by this bad news. And I think the way that we go through that sometimes can, first of all, disembody a group of people, individuals out there in the world. And it can also turn into a commodity, which is a very scary thing. So as I did this, and as I think many of us do this, we kind of buy our distance, we kind of buy our right to go on with our day. I think that exchange can actually get in the way of the very thing that we want most. It can get in the way of our desire to really be meaningful and useful in another person’s life and, in short to love. Thankfully, a few years ago, things shifted for me because I heard this gentleman speak, Dr. Muhammad Yunus. I know many in the room probably know exactly who he is, but to give the shorthand version for any who have not heard him speak, Dr. Yunus won the Nobel Peace Prize a few years ago for his work pioneering modern microfinance. When I heard him speak, it was three years before that. But basically, microfinance — if this is new to you as well — think of that as financial services for the poor. Think of all the things you get at your bank and imagine those products and services tailored to the needs of someone living on a few dollars a day. Dr. Yunus shared his story, explaining what that was, and what he had done with his Grameen Bank. He also talked about, in particular, microlending, which is a tiny loan that could help someone start or grow a business. Now, when I heard him speak, it was exciting for a number of reasons. First and foremost, I learned about this new method of change in the world that, for once, showed me, maybe, a way to interact with someone and to give, to share of a resource in a way that wasn’t weird and didn’t make me feel bad — that was exciting. But more importantly, he told stories about the poor that were different than any stories I had heard before. In fact, those individuals he talked about who were poor was sort of a side note. He was talking about strong, smart, hardworking entrepreneurs who woke up every day and were doing things to make their lives and their family’s lives better. All they needed to do that more quickly and to do it better was a little bit of capital. It was an amazing sort of insight for me. And I, in fact, was so deeply moved by this — it’s hard to express now how much that affected me — but I was so moved that I actually quit my job a few weeks later, and I moved to East Africa to try to see for myself what this was about. For the first time, actually, in a long time I wanted to meet those individuals, I wanted to meet these entrepreneurs, and see for myself what their lives were actually about. So I spent three months in Kenya, Uganda and Tanzania interviewing entrepreneurs that had received 100 dollars to start or grow a business. And in fact, through those interactions, for the first time, I was starting to get to be friends with some of those people in that big amorphous group out there that was supposed to be far away. I was starting to be friends and get to know their personal stories. And over and over again, as I interviewed them and spent my days with them, I did hear stories of life change and amazing little details of change. So I would hear from goat herders who had used that money that they had received to buy a few more goats. Their business trajectory would change. They would make a little bit more money; their standard of living would shift and would get better. And they would make really interesting little adjustments in their lives, like they would start to send their children to school. They might be able to buy mosquito nets. Maybe they could afford a lock for the door and feel secure. Maybe it was just that they could put sugar in their tea and offer that to me when I came as their guest and that made them feel proud. But there were these beautiful details, even if I talked to 20 goat herders in a row, and some days that’s what happened — these beautiful details of life change that were meaningful to them. That was another thing that really touched me. It was really humbling to see for the first time, to really understand that even if I could have taken a magic wand and fixed everything, I probably would have gotten a lot wrong. Because the best way for people to change their lives is for them to have control and to do that in a way that they believe is best for them. So I saw that and it was very humbling. Anyway, another interesting thing happened while I was there. I never once was asked for a donation, which had kind of been my mode, right. There’s poverty, you give money to help — no one asked me for a donation. In fact, no one wanted me to feel bad for them at all. If anything, they just wanted to be able to do more of what they were doing already and to build on their own capabilities. So what I did hear, once in a while, was that people wanted a loan — I thought that sounded very reasonable and really exciting. And by the way, I was a philosophy and poetry major in school, so I didn’t know the difference between profit and revenue when I went to East Africa. I just got this impression that the money would work. And my introduction to business was in these $100 little infuses of capital. And I learned about profit and revenue, about leverage, all sorts of things, from farmers, from seamstresses, from goat herders. So this idea that these new stories of business and hope might be shared with my friends and family, and through that, maybe we could get some of the money that they needed to be able to continue their businesses as loans, that’s this little idea that turned into Kiva. A few months later, I went back to Uganda with a digital camera and a basic website that my partner, Matthew, and I had kind of built, and took pictures of seven of my new friends, posted their stories, these stories of entrepreneurship, up on the website, spammed friends and family and said, “We think this is legal. Haven’t heard back yet from SEC on all the details, but do you say, do you want to help participate in this, provide the money that they need?” The money came in basically overnight. We sent it over to Uganda. And over the next six months, a beautiful thing happened; the entrepreneurs received the money, they were paid, and their businesses, in fact, grew, and they were able to support themselves and change the trajectory of their lives. In October of ’05, after those first seven loans were paid, Matt and I took the word beta off of the site. We said, “Our little experiment has been a success. Let’s start for real.” That was our official launch. And then that first year, October ’05 through ’06, Kiva facilitated $500,000 in loans. The second year, it was a total of 15 million. The third year, the total was up to around 40. The fourth year, we were just short of 100. And today, less than five years in, Kiva’s facilitated more than 150 million dollars, in little 25-dollar bits, from lenders and entrepreneurs — more than a million of those, collectively in 200 countries. So that’s where Kiva is today, just to bring you right up to the present. And while those numbers and those statistics are really fun to talk about and they’re interesting, to me, Kiva’s really about stories. It’s about retelling the story of the poor, and it’s about giving ourselves an opportunity to engage that validates their dignity, validates a partnership relationship, not a relationship that’s based on the traditional sort of donor beneficiary weirdness that can happen. But instead a relationship that can promote respect and hope and this optimism that together we can move forward. So what I hope is that, not only can the money keep flowing forth through Kiva — that’s a very positive and meaningful thing — but I hope Kiva can blur those lines, like I said, between the traditional rich and poor categories that we’re taught to see in the world, this false dichotomy of us and them, have and have not. I hope that Kiva can blur those lines. Because as that happens, I think we can feel free to interact in a way that’s more open, more just and more creative, to engage with each other and to help each other. Imagine how you feel when you see somebody on street who is begging and you’re about to approach them. Imagine how you feel; and then imagine the difference when you might see somebody who has a story of entrepreneurship and hard work who wants to tell you about their business. Maybe they’re smiling, and they want to talk to you about what they’ve done. Imagine if you’re speaking with somebody who’s growing things and making them flourish, somebody who’s using their talents to do something productive, somebody who’s built their own business from scratch, someone who is surrounded by abundance, not scarcity, who’s in fact creating abundance, somebody with full hands with something to offer, not empty hands asking for you to give them something. Imagine if you could hear a story you didn’t expect of somebody who wakes up every day and works very, very hard to make their life better. These stories can really change the way that we think about each other. And if we can catalyze a supportive community to come around these individuals and to participate in their story by lending a little bit of money, I think that can change the way we believe in each other and each other’s potential. Now for me, Kiva is just the beginning. And as I look forward to what is next, it’s been helpful to reflect on the things I’ve learned so far. The first one is, as I mentioned, entrepreneurship was a new idea to me. Kiva borrowers, as I interviewed them and got to know them over the last few years, have taught me what entrepreneurship is. And I think, at its core, it’s deciding that you want your life to be better. You see an opportunity and you decide what you’re going to do to try to seize that. In short, it’s deciding that tomorrow can better than today and going after that. Second thing that I’ve learned is that loans are a very interesting tool for connectivity. So they’re not a donation. Yeah, maybe it doesn’t sound that much different. But in fact, when you give something to someone and they say, “Thanks,” and let you know how things go, that’s one thing. When you lend them money, and they slowly pay you back over time, you have this excuse to have an ongoing dialogue. This continued attention — this ongoing attention — is a really big deal to build different kinds of relationships among us. And then third, from what I’ve heard from the entrepreneurs I’ve gotten to know, when all else is equal, given the option to have just money to do what you need to do, or money plus the support and encouragement of a global community, people choose the community plus the money. That’s a much more meaningful combination, a more powerful combination. So with that in mind, this particular incident has led to the things that I’m working on now. I see entrepreneurs everywhere now, now that I’m tuned into this. And one thing that I’ve seen is there are a lot of supportive communities that already exist in the world. With social networks, it’s an amazing way, growing the number of people that we all have around us in our own supportive communities, rapidly. And so, as I have been thinking about this, I’ve been wondering: how can we engage these supportive communities to catalyze even more entrepreneurial ideas and to catalyze all of us to make tomorrow better than today? As I’ve researched what’s going on in the United States, a few interesting little insights have come up. So one is that, of course, as we all might expect, many small businesses in the U.S. and all over the world still need money to grow and to do more of what they want to do or they might need money during a hard month. But there’s always a need for resources close by. Another thing is, it turns out, those resources don’t usually come from the places you might expect — banks, venture capitalists, other organizations and support structures — they come from friends and family. Some statistics say 85 percent or more of funding for small businesses comes from friends and family. That’s around 130 billion dollars a year — it’s a lot. And third, so as people are doing this friends and family fundraising process, it’s very awkward, people don’t know exactly what to ask for, how to ask, what to promise in return, even though they have the best of intentions and want to thank those people that are supporting them. So to harness the power of these supportive communities in a new way and to allow entrepreneurs to decide for themselves exactly what that financial exchange should look like, exactly what fits them and the people around them, this week actually, we’re quietly doing a launch of Profounder, which is a crowd funding platform for small businesses to raise what they need through investments from their friends and family. And it’s investments, not donations, not loans, but investments that have a dynamic return. So the mapping of participating in the story, it actually flows with the up and down. So in short, it’s a do-it-yourself tool for small businesses to raise these funds. And what you can do is go onto the site, create a profile, create investment terms in a really easy way. We make it really, really simple for me as well as anyone else who wants to use the site. And we allow entrepreneurs to share a percentage of their revenues. They can raise up to a million dollars from an unlimited number of unaccredited, unsophisticated investors — everyday people, heaven forbid — and they can share those returns over time — again, whatever terms they set. As investors choose to become involved based on those terms, they can either take their rewards back as cash, or they can decide in advance to give those returns away to a non-profit. So they can be a cash, or a cause, investor. It’s my hope that this kind of tool can show anybody who has an idea a path to go do what they want to do in the world and to gather the people around them that they already have, the people that know them best and that love them and want to support them, to gather them to make this happen. So that’s what I’m working on now. And to close, I just want to say, look these are tools. Right now, Profounder’s right at the very beginning, and it’s very palpable; it’s very clear to me, that it’s just a vessel, it’s just a tool. What we need are for people to care, to actually go use it, just like they’ve cared enough to use Kiva to make those connections. But the good news is I don’t think I need to stand here and convince you to care — I’m not even going to try. I don’t think, even though we often hear, you know, hear the ethical and moral reasons, the religious reasons, “Here’s why caring and giving will make you happier.” I don’t think we need to be convinced of that. I think we know; in fact, I think we know so much, and it’s such a reality that we care so deeply, that in fact, what usually stops us is that we’re afraid to try and to mess up, because we care so very much about helping each other and being meaningful in each other’s lives. So what I think I can do today, that best thing I can give you — I’ve given you my story, which is the best I can do. And I think I can remind us that we do care. I think we all already know that. And I think we know that love is resilient enough for us to get out there and try. Just a sec. (Applause) Thanks. (Applause) Thanks. (Applause) For me, the best way to be inspired to try is to stop and to listen to someone else’s story. And I’m grateful that I’ve gotten to do that here at TED. And I’m grateful that whenever I do that, guaranteed, I am inspired — I am inspired by the person I am listening to. And I believe more and more every time I listen in that that person’s potential to do great things in the world and in my own potential to maybe help. And that — forget the tools, forget the moving around of resources — that stuff’s easy. Believing in each other, really being sure when push comes to shove that each one of us can do amazing things in the world, that is what can make our stories into love stories and our collective story into one that continually perpetuates hope and good things for all of us. So that, this belief in each other, knowing that without a doubt and practicing that every day in whatever you do, that’s what I believe will change the world and make tomorrow better than today. Thank you. (Applause)

100 comments on “Jessica Jackley: Poverty, money — and love”

  1. Zane Carmichael says:

    Amazing. So beautiful!

  2. iamdonnajean1 says:

    So, how much money has been paid back? I never heard her mention. I think it's wonderful to help ppl who help themselves, but is the capitol being paid back?

  3. beenn15 says:

    @murmurrrr Kiva's motto is not that Christ will make you rich if you help someone else.
    Christian or not, this is a great endeavor. Christians shouldn't be and aren't the only ones motivated the help the poor. Kiva is not a charity organization nor is it an investment firm. It's a tool that allows people to be human again. For the majority of those who lend, it's not about the money, it's about allowing people to thrive on their own terms.

  4. beenn15 says:

    @Uragan what are you doing to help?

  5. beenn15 says:

    @sean4mgl that's true but a large collection of "YOU's" can do a lot. I'm sure you'd agree.

  6. beenn15 says:

    @rollingstone99 I did the same thing. I'm sure even those cynics in here did the same thing too.

  7. murmurrrr says:

    @beenn15 so? ur not making any point

  8. beenn15 says:

    @murmurrrr Really? Well, I apologize for making sense.

  9. murmurrrr says:

    @beenn15 Ow mate, nothing to apologize for. No really, nothing

  10. NWforager says:

    103 Big Banksters gave this a Thumbs down =P

  11. John Newcomb says:

    @iamdonnajean1 The money is repaid back. It is paid back on a payment plan that varies per entrepreneur. My high school SJC loaned out around $150 my freshman year. We went a little dormant with our account my sophomore year and got back into Kiva this year. The money was fully repaid back by that time. Obviously, there is an inherent risk that you may loose your money but that risk exists with most everything.

  12. TheDeathofGrace says:

    this video made me want to commit suicide.

  13. dmeagle1 says:

    @jujubeejeff123 well said!

  14. dmeagle1 says:

    great. love the passion

  15. Armyless says:

    @TheDeathofGrace You would do your part in cleansing the gene pool, and advancing the human race if you did exactly that.

  16. bimmer318i says:

    this made me mad. she is a jew who tried to spread her business by praying on peoples generosity

  17. Gayla VandenBosche says:

    For those skeptics, I have made 35 Kiva loans to date and not a single nickle in default. I did not lend a lot of money, but rather lend the same money over and over again. The total I have spent to help 35 families to date is less than I spend on coffee in a year. So, not only do I help, but all of those who repay their loans in turn help their neighbors. The default rate on Kiva loans is public information and it is a tiny fraction of a percentage.

  18. bpstyles says:

    @Kotesu She is kinda hot, though. You have to admit it.

  19. Tai1983 says:

    Ima gunna start my own religion and non profit to make some serious dough.

  20. Jim Albert says:

    I need that come with closed caption asap.. I am deaf

  21. David Wood says:

    @islandmuffin Pure free-market capitalism increases the average wealth, while also increasing the spread of wealth (- the gap between the rich and the poor). So you're both right and wrong.

    Socialism is not the same as communism. Europe has socialist countries, but they're also capitalist countries; they use the free market just like the US does. They make the choice to give up some net economic growth to reduce inequality. The US does exactly the same thing, but just to a much lesser extent.

  22. David Wood says:

    @islandmuffin Part 1: Not true. The strongest economy in Europe is Germany (usually, but depending on the measure you use), which is also one of the more socialist countries. Germany is certainly far more socialist than the UK, in any case. Largely this is because Germany is an export-driven economy. Intrusions have a role, but people like you suggest those roles are huge, when they're actually only one factor of many.

  23. David Wood says:

    @islandmuffin PART 2: Further I would say "economic freedom" cannot be indexed, because it is far too complex a measure. How do you weigh up the impacts of social controls, individual vs company taxes, regulation? etc. Very subjective.

    Poor become poorer? Do you think European countries are becoming poorer? Based on what? Our growth is just a little less than grand capitalist countries like the US. Totally worth it. I would much rather grow at a modest rate and have more equality in society.

  24. David Wood says:

    @islandmuffin Over how? Evidence? It appears as though you're just an ideological talking head. (Double meaning not intended, but it probably fits.)

    You also don't seem to know the meaning of "fascism" because the US is far closer to that definition than most socialist countries. The only right-wing groups that are truly non-fascist are the libertarians, but they're a minority.

  25. David Wood says:

    @islandmuffin Most Republicans are at the freedom end of the economic spectrum, but at the *control* end of the social spectrum. Most socialists are the opposite. Social liberties are not the cause of most mainstream Republicans. The only exceptions are libertarians who believe in both forms of freedom (such as Ron Paul). But even they are not absolutists. Absolute freedom is anarchy. The US solution and the European one are just different balances between absolute control and anarchy.

  26. David Wood says:

    @islandmuffin Finally, I would add that if you don't think the US government colludes with corporations, then you're very much deluded. That is one of the biggest problems in capitalist societies. Why would socialist governments collude with corporations? Corporations generally don't like socialists, because we limit what they can do.

  27. David Wood says:

    @islandmuffin That doesn't answer anything I wrote in my last post, so I guess I won't bother replying. But I will say that I think it's very irrational to think that the wealth of the richest is the only measure of a society.

  28. slithygogs says:

    .t.h.a.n.k. y.o.u.

  29. Zeitgest Moldova says:

    We do not need credits. We do not need jobs or business. We need equal access to resources and technology.. So what you do is great, but you know GOD is wrong: poor life will disappear as soon as we move toward Resource Based Economy (google it..) your dream CAN become reality!

  30. Andreea Weed says:

    It is pretty hard to tell what does bring happiness; poverty and wealth have both failed.

  31. John F30 says:

    @200FuckingPonies pollution will be priced? what do you mean?

  32. Ritvars Dortāns says:

    wow, inspiring talk 🙂

  33. NextStarfish says:

    She's a very inspiring speaker, and converted me to Kiva.

    I've used her TED talk in a post on my Nextstarfish blog

  34. Katie says:

    some of the comments here are completely irrelevant. if you don't feel compelled by simply human generosity to loan in order to build up a community, then don't waste you're time justifying how these tools "can't work." apparently they do. they are not rooted or biased on any sort of economic system. these tools are rooted in human generosity and faith for man's potential. if you don't appreciate what this woman has built, I'm curious to know what you have done to help the worlds entrepreneurs.

  35. crudhousefull says:

    You are such a great person. Unfortunately, your expertise and warm heart will better serve in alleviating the suffering of poor countries by battling your country's foreign policy. The problem is macro. While micro solutions work, if you attack the macro problem, you will be helping much much more

  36. crudhousefull says:

    Anyway you're incredible and great

  37. SucculentGoddess says:

    I have made 89 Kiva Loans and I have one person default.
    she was a lady in Uganda who needed some Building materials to weather proof her home so her kids could survive winter. I invested in her knowing that the giving
    is far more important than the receiving!!

  38. kevin badger says:

    very good

  39. 9Ballr says:

    Wow, she's off the charts. Great job Jessica.

  40. Chrissy says:

    Jess, you are so inspiring. What you have done and continue to do is amazing. You're right, we needed something to change the relationships between "haves" and "have-nots" that encourages community not resentment.
    Lots of love,

  41. Nellyoll says:

    Absolutely wonderful. Good for the soul.

  42. safwanrob says:

    Which D*Bags disliked this?

  43. Dennis Tudor says:

    I wish it only took a $100.00 loan to change the trajectory of my life.

  44. Jahid Masud says:

    Nothing inspired me more, I guess!

  45. Zeitgest Moldova says:

    The woman seems to be great in doings and intentions. However one may realize – for one human like her – we still have thousands who will use the same GOD and money to impoverish millions back – many of them are even presidents and many of others elect those presidents.

  46. Simon March says:

    Bizarre the the regulators have forced ProFounder to be shut down and yet were quite content to watch sub-prime mortgages dragged the word into economic oblivion.

  47. oritherio says:

    Go Jessica, love from Bangladesh!

  48. buddyrichrocks says:

    stunning speech about a stunning concept. the first few minutes of this hits exactly the kind of thoughts that have been in my head for a long time. However, I think it is important to remember that there are many other factors at play in so many areas, before even getting to "make a living" – e.g. people fleeing conflict, not having access to basic healthcare, starvation, societies/countries filled with horryfing tales of violence. There are so many who don't even have the basics to start with

  49. buddyrichrocks says:

    saying that though…I will definitely be supporting Kiva. Great job Jessica and Co for changing the world for the better. Let's use your spirit and compassion to make even bigger changdes!

  50. David says:

    I have made 25 loans to date. All the money was repaid.

  51. Luci Lupse says:

    the majority of micro-loan clients are either spending them on alcohol or glue!
    the rest spends it on a 200£ car, central heating, ultraphones to brag or a Christmas pig.
    1% wish to be entrepreneurs and 2% of that actually end-up with a small profit.

  52. Ben Parker says:

    Can you please point me to the evidence you have for this claim? As a lender I would love to see it.

  53. Luci Lupse says:

    Please read '23 Things They Don't Tell You About Capitalism' by Ha-Joon Chang. " This sobering tale should be a valuable guide to a reform programme that will save what is still good in microfinance and help it make the contribution it can make, without the absurd hype that has characterised the industry."

  54. Pascale de jong says:

    where are you getting this from, i suppose your glass is always half empty and humanity is by default bad?

  55. samala51 says:

    Great video and message

  56. Luci Lupse says:

    no, just banks. by lending money to small holders the banks always gets more because of their leverage. I think countries should be more independent from the world bank, and more protectionist in their developing stage. Read books and stay away from banks!

  57. azharoslan says:

    lol endup here after Reza Aslan…

  58. Lynda Dods says:

    So I guess for me the first question is : Why can we not do this for people living in our own countries ?

  59. Maciej Kowalczyk says:


    Also all should read this book, its really interesting.

  60. Maciej Kowalczyk says:

    You don't even know how big interest loan KIVA is charging… Read this text:

    Also read: Microfinance and the Illusion of Development: From Hubris to Nemesis in Thirty years, paper written by M. Bateman and Ha-Joon Chang (free download on Chang website).

    This nice looking lady just want to make money.

    Microfinance is a business, and where is business there's no charity.

  61. Mara Simoneau says:

    Indeed, the ultimate purpose of wealth is to love others. Give and you shall receive more blessings in life.

  62. Hene Tefera says:

    Wow!!!! I surprised your commitment and motivation to change the lives of the poor . This world is needs many woman like you. GOD bless your Life…..

  63. Moshe Friedman says:

    I clapped too!!!

  64. Extreme random person says:


  65. Arab Dude says:

    Is this Reza Aslan's wife??

  66. Heather Rotz says:

    And all at a very modest 36% interest rate. Looks like loan sharks have put on a few new disguises. It is sickening that they get away with that under the guise of helping the poor. 

  67. paola vega says:

    This is so inspiring.

  68. Konqueror 1 says:

    This lady is a terrible speaker! Cheeses loves you, btw.

  69. Cun soo Mi says:

    Her advocacy is a LEGEND in the MAKING.. Her pursuit is a birth place for admiration.. Her call for people to stop and listen is formula for social reintegration.. and JESSICA.. She is just like all of us… she made better choices… turned potentials into POWER and in the END.. she is like all of US..

  70. monkeyRL says:

    Yes, great, capitalism…spread that! So, all those poor goat herders can eventually become goat magnates that exploit resources and cheap labor for larger herds and larger profit margins!!…money! Hooray! Let's make money off the poor paying back high interest loans! Nice! =(

  71. Mark Wideberg says:

    Magic. So young 🙂

  72. cooldog60 says:

    Is she catholic?

  73. Mbuyu Claudia says:

    very nice power -point my lecturer

  74. William Wiel Mathoat Kuony says:

    it is too nice understandable Lecture to me Jessica.

  75. andrew phiri says:

    Its interesting to hear that there are people out there who came to know poverty from the bible and not from an encounter of the poor. In my country every minute and hour I do encounter very poor people. Though I am in the blanket of the poor, I think there are the poor of the poor here in Zambia. I have rely enjoyed this power point presentation. Nice one Jessica Jackley. Visit Zambia too

  76. Ritchel Smeele says:

    This is really amazing story. i love heping too but as she says its really hard to think we can help enough its because i know my i needed help too.

  77. Syukri Muhammad Nur says:

    Thanks alot for share this info and lecturer.

  78. Théodore HOUETO says:

    very nice this way of hellping people

  79. Medi Wandera says:

    I really appreciate, reading this story today not in 2010 is something i will not forgive myself. I would far. But let me start today . i have learnt a lot. Its so touching .

  80. Tiga Oljira says:

    i like it

  81. Jonathan Michael says:

    Thank you for posting this, TED.

  82. Green Concern for Development says:

    Dear Jessica, God bless you for thinking about the poor in Africa.Your effort will not be in vain.

  83. Williams Bockarie says:

    This is one of my favorite way of understanding a lecturer.

  84. Yao Félix says:

    For-mi-da-ble!!!!! Quel bel exemple de partage de passion pour réussir et faire évoluer les autres! Merci Jessica et bonne continuation.

  85. Balm Class says:

    This is great Jessica.I belong to a women merry go round group in our village.We have bought water tanks, utensils ,bedding,paid children school fees and much more.The live of these women have changed.Needs commitment,willpower, discipline,team work , accountability and a few dollars to start and whole thing goes on well.

  86. Ineh Okoh Jerry says:

    Good talk

  87. Vincent Fassom says:

    Thank you Jessica for your inspiring talk and for starting Kiva & Profounder. You and people like you are the true leaders in our world. Blessings on you.

  88. 송재혁 Jaehyuk Song says:

    대단한 여성,,

  89. Sarah Christine says:

    That was an outstanding message ❤︎
    Loved your story…. I cried through most of the video.
    Very very touching… very well said. Beautiful creation.
    Over 100mm in loans… and that was 6 years ago…. wow.

  90. emmanuel umesiobi says:

    This is the only way to heaven

  91. Hamza saeed Khan says:

    she is my teacher from online course in Philanthropy university and I proved to be!

  92. Hamza saeed Khan says:

    Can I upload this video on my facebook page or its right protected?

  93. Nancy Madore says:

    wow… fantastic!

  94. Chris Martine says:

    Jessica Jackley is SO AWESOME !!

  95. Antares Diekow says:

    So she learned that poor people can be capable and hard working… How does she feel now about people who are not capable? She seems to separate them and exalt those who are capable, in a way that caused me to infer that those who cannot are not worthy of support like the capable ones.

  96. Seongyeon Ko says:

    좋은 사업에 관심


    Love you Jessica

  98. Arunava chakraborty says:

    Well its technology will change it..In future anyway but ubi is the quick way to do so…Just do it everything is fine.

  99. Federico Puebla says:

    Jessica Jackley will be speaking at the Montreal Olympic Stadium on Oct. 2nd 2019!!
    More details here:

  100. 0SANO 3204 says:

    Nice talk but its best if you don't keep up this mentality of East Africa is poor just because you visited a few parts of Africa with your camera to take photos doesnt make the whole of East Africa poor ,anyway nice talk but very demeaning to us East Africans cause tha video should be specific to what you mean ,rae there no poor people in US?

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