Kiva – Join me in making a change is a website and peer to peer lending platform that allows you to make a positive impact in the third world. Traditional banking institutions have largely ignored the poorer members of society in the developing world, giving no access to the very capital so critical to their chances of economic mobility, progress and even survival. Kiva is micro-finance/micro-loan lending direct from you to the nascent third world entrepreneurs. Your small loan can help a family thrive and make a discernible change in the world around you. I have committed to help and hope you join me…

Joseph P. Guarino has a long history of producing business results with the application of information technology. Joseph's expertise span over 15 years in the private sector at leading technology firms and consulting organization. With Evolutionary IT, he saw a market need to bring his transformative knowledge and expertise to firms in the New England area and worldwide. Joseph is driven by a strong desire to see customer's thrive with the best business solutions. Evolutionary IT evolved out of this desire to bring a new level of quality IT solutions, align them with business goals and give customer's a competitive edge.
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