The Other Bottom Line – Becoming a Kiva Sponsor

One of the things I love about this time of year is the spirit of giving.

The desire to care and provide for others, even when you don’t know them personally. There are toy drives for needy children. Care packages for our troops overseas. The ubiquitous red kettle and bell advertising the Salvation Army’s fundraising efforts.

These are all wonderful things, efforts that are truly making a difference. Yet it is not enough. What about the other 11 months of the year? What about those who seek to make better lives for themselves yet have literally zero resources to do so?

The Numbers Whisperer™ embraces a double bottom line for 2012

The Other Bottom Line

Everyone has heard of the bottom line – the profits that your business earns. In fact “What’s the bottom line?” has become a catch phrase used in everyday situations that don’t even involve business.

There is another bottom line, the lesser known younger sibling to The Bottom Line. It’s one that reflects a company’s impact on social and environmental issues. You might call it the Tree Huggers Ledger(yes I just made that one up!). It provides accountability for the company against its stated social goals.

Opportunity is not equally distributed

Having lived and traveled throughout the world, I have seen poverty up close. I know that children born into these conditions have little hope to improve their lives, unless someone offers them a hand up.

For Small Business Finance Forum, I have set the second bottom line goal to provide the opportunities to others that I often take for granted. This isn’t just for the holidays, it is a permanent commitment to helping others help themselves.


Kiva is a non-profit organization with a mission to connect people through lending to alleviate poverty. Leveraging the internet and a worldwide network of microfinance institutions, Kiva lets individuals lend as little as $25 to help create opportunity around the world.

I have formally committed to Kiva to donate $2 for every hour of coaching services purchased. That is revenues, not profit, so $2 comes right off the top. Every time you hire me, you are also helping someone else.

In addition, for every copy of my forthcoming book sold (How to be a Finance Rock Star), $1 will be donated to for funding microloans. The donation will be made for both physical copies of the book purchased as well as the electronic version that will be available for Kindle.

Interested in getting directly involved? Visit today and make it happen.

Nicole Fende, A.S.A.
The Numbers Whisperer™
President, Small Business Finance Forum

P.S. Just call me the happy tree hugger capitalist!

Kiva Business Sponsor

© 2011 Small Business Finance Forum LLC | All rights reserved.



  1. Kiva is fabulous. I’ve done about half dozen loans with them and really love the impact they’re having.

    Okay – but have to take issue with your “Tree hugger” label. A true Tree Hugger bottom line is actually called the Triple Bottom line (people-planet-profit). Are you going that route? I mean, your marketing colors are already green… ;-)
    Tea Silvestre recently posted…Vision and Mission: Your Two Brand MessengersMy Profile

  2. @Rachel – Happy Holidays to you as well! Kiva offers the option to buy a gift card. You give the card to someone else and they get to select the loan recipient.

    @Tea – LOL. While I use the tree hugger label as a more generic reference to those who are interested in social causes, you are correct about the Triple Bottom line term. I actually do make an effort to be as green as possible in business and personally. So yes I would say that in reality I run a triple bottom line company.

  3. It is really nice to know that you are doing that. I’ll try to share this with my friends and see if i can make them purchase one of your books.
    Phoebe recently posted…Brainwave Entrainment Using Binaural BeatsMy Profile

  4. Good job Nicole!
    When it is our own business we can bring our social conscious to the top!
    At Haralee.Com we give a percentage of every sale to Breast Cancer. Helping and feeling good, a win win for everyone.
    Haralee recently posted…WelcomeMy Profile

  5. Hi Nicole, great post.

    We love Kiva too. We hunted around for an organisation we wanted to support with our business, and KIVA fits the bill wonderfully.

    Best of luck raising lots of dosh for them.

    Ps the triple bottom line and the rise of the social entreprenur is the way of the future!

  6. Love it! Love it! Love it! I try really hard to be a socially conscious business owner as well, but you’ve taken it to a whole new level and put your money behind it. I accept your challenge to pay attention to the “other” bottom line in 2012. Searching out a nonprofit now…
    Thanks for the inspiration!

  7. @Phoebe – thanks I appreciate the support. Please don’t twist your friends arms tooo hard!

    @Haralee – Your support of breast cancer is one of the things I admire about you. A great example for all of us.

    @Janine – Yeah, another Kiva supporter! Yes I did lots of research before approaching them. They work very hard to get as much money to the people who need it as possible. Raising dosh is my new term of the day :)
    Nicole Fende recently posted…These aren’t the shakes you’re looking forMy Profile


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