Vittana was a non-governmental organization that allowed people to lend money via the Internet to students in the developing world.

[3] The loans issued by Vittana ranged from $200 to $1,500 and were funded by individual lenders through Kiva's lending platform and Vittana's funds.

[1] Students were given cash advances for educational expenses before money from donors had been collected.

[4] The cash advance provided by a partner organization was covered when Kiva, or Vittana had aggregated sufficient money from donors.

[5] A mother or a close relative acted as a co-signer.