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Julia Kurnia
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Julia is the director of Zidisha Microfinance, the world's first direct peer-to-peer microfinance lending community.

Entries by Julia Kurnia

Why I Founded Zidisha

(2) Comments | Posted March 2, 2014 | 11:06 AM

It was Thanksgiving Day, 2008 and I was in Niger, a vast famine-stricken wasteland in the middle of the African continent.

An idealistic twenty-four-year-old, I'd been hired out of graduate school to manage overseas grants on behalf of the US government. This was my second year on the job and...

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Zidisha vs. Kiva Zip

(1) Comments | Posted February 25, 2014 | 11:03 AM

Note: this article is authored by the founder of Zidisha. The information about Kiva Zip is taken from public sources, and does not necessarily express the views of Kiva or Kiva Zip.

Zidisha and Kiva Zip are both experimental web platforms that aim to use person-to-person...

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About to Send a Donation? Think Twice

(0) Comments | Posted January 18, 2014 | 10:39 AM

The recent election of GiveDirectly as GiveWell's top-rated charity confirmed the trend: the handout approach to development assistance is back in fashion.

The rationale behind the handout approach seems straightforward enough: the most efficient way to help people living in poverty must be to give them money....

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The Office is Obsolete

(0) Comments | Posted October 28, 2013 | 11:44 AM

37signals just produced an excellent video about the benefits of working remotely.

As the world's first international online peer-to-peer microlending community, Zidisha has never had a dedicated office space. Like 37signals, we have a globally dispersed team who use online tools to collaborate. Why go office-less?

1. It...

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The stuff heroes are made of

(0) Comments | Posted October 11, 2013 | 11:58 AM

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Here is a story that deserves to be shared.

Sammy Kanja is a founding member of Zidisha's online microlending community in Kenya. He used his earliest microloans to purchase a donkey cart and donkeys for his goods transport business. The proceeds from...

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Not Your Mother's Microfinance

(0) Comments | Posted September 26, 2013 | 6:20 PM

Forward-thinking small business owners across the developing world are turning to the online space as an alternative source of small business loans.

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Duncan Chege is someone who sees possibilities before they become reality. In 2009, convinced that information technology is the key to...

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"The Last Mile" from Venture: A Collection of True Microfinance Stories

(0) Comments | Posted June 14, 2013 | 10:58 AM

Venture is a rich and readable collection of true microfinance stories. It is written for anyone who would like to better understand the realities faced by the the aspiring middle class in the world's least developed countries, the range of factors that affect their prospects for working their way out...

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"It Takes a Very Special Heart" from Venture: A Collection of True Microfinance Stories

(0) Comments | Posted May 31, 2013 | 11:41 AM

Venture is a rich and readable collection of true microfinance stories. It is written for anyone who would like to better understand the realities faced by the the aspiring middle class in the world's least developed countries, the range of factors that affect their prospects for working their way out...

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"Continuing Education" from Venture: A Collection of True Microfinance Stories

(0) Comments | Posted May 24, 2013 | 10:41 AM

Venture is a rich and readable collection of true microfinance stories. It is written for anyone who would like to better understand the realities faced by the the aspiring middle class in the world's least developed countries, the range of factors that affect their prospects for working their way out...

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"Ripple Effects" from Venture: A Collection of True Microfinance Stories

(0) Comments | Posted May 17, 2013 | 5:00 PM

Venture is a rich and readable collection of true microfinance stories. It is written for anyone who would like to better understand the realities faced by the the aspiring middle class in the world's least developed countries, the range of factors that affect their prospects for working their way out...

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"The Right Tool Makes All the Difference" from Venture: A Collection of True Microfinance Stories

(0) Comments | Posted May 10, 2013 | 4:26 PM

Venture is a rich and readable collection of true microfinance stories. It is written for anyone who would like to better understand the realities faced by the the aspiring middle class in the world's least developed countries, the range of factors that affect their prospects for working their way out...

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"What It Takes to Survive," From 'Venture: A Collection of True Microfinance Stories'

(0) Comments | Posted May 3, 2013 | 12:06 PM

Venture is a rich and readable collection of true microfinance stories. It is written for anyone who would like to better understand the realities faced by the the aspiring middle class in the world's least developed countries, the range of factors that affect their prospects for working their way out...

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"An Enterprising Student," From 'Venture: A Collection of True Microfinance Stories'

(0) Comments | Posted April 26, 2013 | 4:54 PM

Venture is a rich and readable collection of true microfinance stories. It is written for anyone who would like to better understand the realities faced by the the aspiring middle class in the world's least developed countries, the range of factors that affect their prospects for working their way out...

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"God Has Extended My Territories," From 'Venture: A Collection of True Microfinance Stories'

(0) Comments | Posted April 19, 2013 | 12:44 PM

Venture is a rich and readable collection of true microfinance stories. It is written for anyone who would like to better understand the realities faced by the the aspiring middle class in the world's least developed countries, the range of factors that affect their prospects for working their way out...

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"A Bountiful Harvest," From 'Venture: A Collection of True Microfinance Stories'

(0) Comments | Posted April 12, 2013 | 5:14 PM

Venture is a rich and readable collection of true microfinance stories. It is written for anyone who would like to better understand the realities faced by the the aspiring middle class in the world's least developed countries, the range of factors that affect their prospects for working their way out...

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"Survival Strategies," From 'Venture: A Collection of True Microfinance Stories'

(0) Comments | Posted April 5, 2013 | 11:17 AM

Venture is a rich and readable collection of true microfinance stories. It is written for anyone who would like to better understand the realities faced by the the aspiring middle class in the world's least developed countries, the range of factors that affect their prospects for working their way out...

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"The Mattress Doctor," From 'Venture: A Collection of True Microfinance Stories'

(0) Comments | Posted March 29, 2013 | 12:11 PM

Venture is a rich and readable collection of true microfinance stories. It is written for anyone who would like to better understand the realities faced by the the aspiring middle class in the world's least developed countries, the range of factors that affect their prospects for working their way out...

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"Overcoming Handicaps," From 'Venture: A Collection of True Microfinance Stories'

(0) Comments | Posted March 22, 2013 | 11:15 AM

Venture is a rich and readable collection of true microfinance stories. It is written for anyone who would like to better understand the realities faced by the the aspiring middle class in the world's least developed countries, the range of factors that affect their prospects for working their way out...

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"Building Our Future," From 'Venture: A Collection of True Microfinance Stories'

(0) Comments | Posted March 15, 2013 | 11:53 AM

Venture is a rich and readable collection of true microfinance stories. It is written for anyone who would like to better understand the realities faced by the the aspiring middle class in the world's least developed countries, the range of factors that affect their prospects for working their way out...

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"Wasted Potential," From 'Venture: A Collection of True Microfinance Stories'

(0) Comments | Posted March 8, 2013 | 11:51 AM

Venture is a rich and readable collection of true microfinance stories. It is written for anyone who would like to better understand the realities faced by the the aspiring middle class in the world's least developed countries, the range of factors that affect their prospects for working their way out...

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