A Loan should be given based on the future of an individual and not his past .



  • What is Acceder?
  • History
  • How Acceder works?
  • Our Team
  • Programs

Acceder allows you to lend as little as $25 dollars to people in the Jewish community who are in dire need of help and are unable to qualify through normal financial resources.

By lending you are alleviating poverty and making people’s dreams and future’s come true. Each person on our website is a real case. By being self sufficient through obtaining one of our loans, the confidence and pride of each person is lifted enormously and they know they have made great strides towards economic independence and have improved life for themselves, their family, and their community .

Acceder provides each donor with an update of the applicant’s situation, showing exactly how and where they used their loan. In each case we meet each individual and film and take pictures of their story from start to finish so you can see how you have changed a life. Just log on to our Blog and see our blissful success stories.

Acceder’s mission was created to accomplish our dream of equal opportunity. As the world continuously changes lives sometimes change too and unfortunately for the worst. It is our pleasure to give each individual the opportunity to access an interest FREE loan so they don’t have to live in unacceptable situations ever again.

Tzedekah means charity but the origin of this word is actually justice. We have the religious responsibility to give and to engage in philanthropic ventures. This beautifully rewarding act applies to everyone, evena poor person can help another. Maimonides, a Jewish philosopher established 8 principles of Tzedekah, the highest is:

"The greatest level, is to support a fellow Jew by endowing him with a gift or loan, or entering into a partnership with him, or finding employment for him, in order to strengthen his hand until he need no longer be dependent upon others."

The idea of creating an organization dedicated to lending money without charging interest or any other expenses, was born under the juncture of the Argentinean crisis of 2001. Acceder´s founder, Mr. Eduardo Elsztain, shared with Elias Kier Joffe, who later on has became the Co-Founder and Executive Director the need of creating a new concept in the lending industry, a non-profit foundation with the mission of lending money to people in financial needs. People whom without the support of this foundation could never access to a loan within the regular financial system so Elias Kier Joffe set up the first free loan Foundation in Argentina: Acceder Argentina.

Acceder Argentina is the first non-English and non-Hebrew speaking organization that has joined the International Association of Hebrew Free Loans (, and also the youngest one.

After having tremendous success with the organization in Argentina and with more than 200 loans for almost $500,000 dollars, encourage us to take the challenge of expanding our reach to Latin America and the Former Soviet Union where there is no Free Loan Organizations. So we took the initiative to constitute a 501 (c) (3) Foundation in the USA that recently has been granted with the incorporation of ACCEDER in the State of New York ir order to achieve our goal to help more Jews in need.

Inspired by the online plattforms of KIVA, Prosper and Zopa, we decided to lunch, in order to let people lend money Peer to Peer, focusing in the Jewish community and the free loan concept.

We are working with the local Jewish communities to lunch ACCEDER in Brazil, Chile, Uruguay, Mexico and FSU.

Interested in partnering with ACCEDER?

The below diagram shows briefly how money gets from you to a developing-world borrower, and back:



  1. Lenders like you browse profiles of borrowers in need, and choose someone to lend to. When they lend, using PayPal or their credit cards, collects the funds
  2. then passes the funds along to one of our field partners worldwide.
  3.’s field partners distribute the loan funds to the selected borrower.
  4. Over time, the borrower repays their loan to the field partner. Repayment and other updates are posted on and emailed to lenders who wish to receive them.
  5. After the borrower finish to repay its loan, the field partner passes the funds back to
  6. will credit the amounts as “virtual funds” in the lender account with in order to let him make a new loan and re-lend to someone else in need.
  • Elias Kier Joffe | Co-Founder & CEO
  • Ezequiel Kier Joffe | Executive Chief Operating Officer
  • Jeremias Kier Joffe | Chief Financial Officer
  • Juan Martinez | Accounting Manager
  • Tracey Bates | Marketing & Public Relations Director

Life cycle:  Life Cycle loans provide assistance for celebrations such as a wedding or a bar/bat mitzvah.

Housing: Assists normally self-supporting individuals with money for rent, moving expenses, security deposit.

Debt Consolidation: Provide relief for people faced with serious debt.

Trip to Israel: Assist families who have never had the opportunity to meet the family they have in Israel.

Small Business:  Enable people to start or expand a small commercial enterprise

Health: Provide assistance when medical or special care in regards to health situations arise.

Student Loans: Assist those enrolled full-time in a college, graduate school, professional program or vocational school.

Special Needs: Special needs loans provide assistance when medical or special educational needs arise.

Click here to read about the success stories from our borrowers  that took part in one  of our many programs >

©2008  Acceder. All rights reserved.
ACCEDER is a U.S. 501(c)3 non-profit organization.
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