About Us
Impact Collective is a Microfinance initiative that helps high school students across America launch Kiva-affiliated chapters dedicated to global financial inclusion. Instead of fundraising through donations, students build and run small businesses that generate sustainable capital for microloans to low-income, unbanked communities around the world.
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Founded by Rishi Mishra in the summer of 2025, Impact Collective grew out of the PD Microfinance Club, which he launched as a Kiva chapter during his freshman year of high school. In its first year, the club funded $5,000 in microloans through Kiva.
Today, Impact Collective supports a growing global network of student chapters like PD Microfinance, giving students hands-on experience in ethical entrepreneurship, capital allocation, and impact investing—while expanding financial inclusion worldwide.
Impact Collective empowers students to go beyond traditional fundraising by launching and running their own student-led businesses. Through hands-on entrepreneurship, students earn real revenue and reinvest a portion of their profits into microloans—becoming stronger advocates for financial independence and inclusion through action, not just awareness.
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Rather than relying solely on donations, crowdfunding, and fundraisers, students use earned capital to fund their Kiva lending teams. This model is not only sustainable, but also teaches practical skills in business, finance, and capital use.
Student ventures like Frostbite's Frozen Ice and Curry Kart - the lending arms of PD Microfinance show how small businesses can generate capital for microfinance while giving students firsthand experience in ethical entrepreneurship and impact investment.
Our Services
Education & Training
Whether you’re just getting started or ready to lead a microfinance club or kiva chapter, our training gives you the tools to succeed. You’ll learn how microloans work, how to assess risk, measure social impact, and identify high-impact sectors.
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All materials are student-friendly and curated from top print and online resources. We guide you step-by-step through setting up a Kiva lending team and running it with confidence.
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Networking
Join a global community of students passionate about microfinance and impact investing. Connect with peers, university chapters, alumni, and professionals to share ideas, collaborate, and learn from real experiences beyond your own school.
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Get connected
Student Entrepreneurship
Earn to invest - rather than asking to receive. We help students launch and run their own small businesses and invest profits into their Kiva lending teams, instead of relying on external donations.
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Students run businesses like Frostbite’s Frozen Ice to Curry Kart to make money and use it to fund microloans, gaining hands-on experience in entrepreneurship, finance, and capital alocation.
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Internships & Job-Shadowing
Explore long-term career pathways in microfinance and entrepreneurship through internships and job-shadowing opportunities with microfinance organizations.
Build your network while still in high school, rather than wait until college.
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Events & Competitions
Take your chapter beyond meetings. Our innovation challenges, speaker panels, and hands-on workshops bring chapters together to collaborate, compete, and share ideas—while earning recognition and cash prizes for leadership and impact.
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Our Impact
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Members
Amount loaned
No. of Countries
50+
$10,000+
30+
Our Borrowers
Borrower Profiles
We support people from underserved communities working hard to improve their lives—farmers, shopkeepers, artisans, refugees, students, single moms, and more. These are individuals who often lack access to traditional banks or cannot afford the high interest rates. Each loan supports them to build better lives and independence.
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For many borrowers, even a small amount of capital can make a meaningful difference—buying seeds for the next planting season, purchasing inventory for a small shop, investing in tools for a trade, or paying for education. These loans are not charity; they are opportunities. By providing access to fair and affordable financing, we help hardworking individuals grow their livelihoods, support their families, and strengthen their communities over time.
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Sustainability Projects
Many of our borrowers work on solutions that help the environment—like solar energy, organic farming, or eco-friendly businesses. These projects not only help generate income but also protect the land and resources of the planet.
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Supporting these initiatives means that microfinance can play an intentional role in addressing larger global challenges like climate change and environmental degradation. When borrowers invest in renewable energy, sustainable agriculture, or low-waste businesses, they are not only improving their livelihoods but also contributing to a healthier planet. In this way, access to fair capital can support both economic resilience and long-term environmental sustainability
Economic Sectors
We focus on industries that keep communities running—farming, fishing, retail, transport, and services. These sectors provide jobs, income, and daily essentials to families and neighborhoods. Helping them grow means helping entire communities thrive.
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​Our lending also intentionally supports sectors where small investments can protect livelihoods and local traditions. In some communities, that means helping artisans continue cultural crafts—such as pandanus basket weaving in places like Indonesia or Tonga—ensuring these skills remain both economically viable and culturally preserved.
Education & Community Development
Our loans directly or indirectly support communities where access to learning is still a challenge. We support help rural schools with supplies, infrastructure, or teacher support—so more children can stay in school and complete their education.
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In many villages, schools operate with very limited resources. Targeted support can help maintain classrooms, provide basic materials, and strengthen local education systems so that students are able to continue learning close to home. Investing in these communities helps create stronger foundations for the next generation.
