The model in plain English
What Jharis is
Jharis is a shop-through-charity platform. You shop at our partner merchants through this website and we donate a percentage of every valid purchase to charity. The charity is Kiva, a non-profit that funds $25-and-up microloans to entrepreneurs, farmers, and households around the world.
It costs you nothing. The donation comes out of the affiliate commission the merchant pays Jharis when you click through and buy. So far, this has funded 380 loans across 69 countries, totalling $6,870 donated. The first loan was funded on May 3, 2020; the most recent on Jun 29, 2026.
What counts as a "valid purchase"?
A purchase is valid when the affiliate program reports it back to us as completed and not refunded. Returns, cancellations, and payment failures don't generate a commission, so they don't generate a donation either. This is normal affiliate-program mechanics — we just pass it through to charity.
Why Kiva?
Kiva is a well-established non-profit (founded 2005) with a transparent loan-by-loan model. Every donation Jharis makes is traceable to a specific borrower, in a specific country, working with a specific local field partner. That makes our promise easy to verify — the receipts are on this site.
What Jharis is not
- It is not a Kiva product. Jharis is independent.
- It does not change the price you pay at any merchant. We only receive a commission when the merchant chooses to pay one for referred traffic.
- It is not a coupon site or a cashback service for the user.
- It is not a fundraising page for any specific borrower. The charity Jharis donates to is Kiva at large, which then routes the funds to individual loans.
How the numbers on this site are computed
Every figure on the site comes from the live donation ledger, exported from Kiva. The loan list, country and partner pages, and the Impact page are all derived from that file at build time. Defaults, currency losses, and expired loans are included — they aren't hidden behind a "success rate" headline.
Want to give more directly?
You can also lend on Kiva yourself. Go directly to kiva.org, pick a borrower, fund a slice. The minimum is $25 in the U.S.
