Clay Water Brick: Finding Inspiration from Entrepreneurs Who Do the Most with the Least
Shows why backing resourceful entrepreneurs with small loans can beat traditional charity against poverty, and what their habits teach any founder about starting small, staying honest and building something that lasts.

Table of Content
1. Introduction
1 min 05 sec
If giving to charity has ever left you feeling that nothing really changed, Jessica Jackley has felt that too, and she found a better answer in some of the poorest villages on Earth. In Clay Water Brick, the Kiva co-founder argues that many of the most inventive entrepreneurs have almost nothing, and that backing them with a small loan does more against poverty than a donation that vanishes into an anonymous fund. Her proof starts with Patrick, a Ugandan orphan who built a business from the clay under his feet.
The argument running through the book is that success depends less on resources than on resourcefulness. The habits that lift a brickmaker or a fish seller out of poverty work for any venture: starting before you feel ready, holding on to a clear mission, telling the truth when things go wrong, sharing the work, improving through rough versions and taking measured risks. Each one arrives with a person who lived it, and each can be tried on your own project, however small your budget.
2. See why a small loan outlasts a donation
1 min 44 sec
Writing a check to a good cause can feel generous and still change very little. Interviews in East Africa showed Jackley what poor entrepreneurs were really missing, and it was smaller than anyone expected.
3. Start now with whatever lies at your feet
1 min 34 sec
An orphan with no schooling, no money and no family home had one thing left to work with. What he did with it questions every reason you have for waiting.
4. Use your mission to know when to walk away
1 min 34 sec
Two well-connected partners offered to speed up Kiva’s growth. Accepting looked smart until the project began to forget what it was for, and one simple test showed the way out.
5. Admit the worst and keep your supporters
1 min 40 sec
A partner in Uganda stole over $100,000 through borrowers who never existed. Kiva’s response could have ended the platform. Instead it made users more loyal, for a reason most companies resist.
6. Let a team grow what you started alone
1 min 29 sec
A Honolulu candy store with loyal customers still could not pay its bills, and Jackley herself struggled to share her project. Both found the fix in the same place.
7. Build your best work through many rough versions
1 min 33 sec
A mother in South Africa could not buy equipment her disabled daughter needed, so she started making it herself. Her first attempts were crude, and that was exactly the beginning she needed.
8. Take one calculated risk that changes the math
1 min 29 sec
A fish seller in Uganda saw a middleman eating her profits. The way around him involved a dangerous bus ride and a modest sum of money, and it reshaped her business.
9. Conclusion
1 min 07 sec
Patrick’s bricks, Katherine’s bus ticket and Shona’s first makeshift devices share one origin: each began with almost nothing and grew because one person used what was at hand. Jackley’s larger claim is that this resourcefulness is among the best tools we have against poverty. A small loan, tracked and repaid, treats the borrower as a builder and the lender as a partner, and it keeps working after the money comes back. The same mix of integrity, persistence, openness and nerve carries a candy store in Honolulu or a website that began with a handful of loans.
For your own work, the book points to a few moves. Begin the stalled project this week with the resources you already have, rough as they are. Measure every tempting offer against a one-sentence mission. And the next time something goes wrong on your watch, admit it plainly, apologize and ask for help, the way Kiva did after losing $100,000 to fraud and keeping its lenders anyway.
Patrick did not wait for a better life before he began. He picked up the clay and started.
About this book
What is this book about?
Most of us have given to a good cause and wondered whether it changed anything. Jessica Jackley felt that doubt as a volunteer in hospitals, soup kitchens and shelters. Then she met small business owners in East Africa who had the ideas and the drive to leave poverty behind and lacked only a little money. That insight led her to co-found Kiva, an online platform where ordinary people lend small sums to entrepreneurs in poorer countries and get repaid. Clay Water Brick is built around the people who taught her what entrepreneurship really takes. They include a Ugandan orphan who made bricks from the clay under his feet, a South African mother who designed equipment for her disabled daughter, a fish seller who cut out the middleman and an uncle and nephew who saved a Honolulu candy store. From their stories, and from Kiva's own early mistakes and a $100,000 fraud, Jackley draws practical lessons for any founder. Start before you feel ready, guard your mission, admit your failures, share the load, improve through many rough versions and take risks you have thought through.
Book Information
Who it's for
Would-be founders
Aspiring founders who keep waiting for money, contacts or the right moment.
Owners facing big decisions
Small business owners deciding on partners, funding or a risky next step.
Wondering if giving lasts
Donors and volunteers who wonder whether their giving makes a lasting difference.
About the Author
Jessica Jackley
Jessica Jackley co-founded Kiva, a peer-to-peer microlending website, and later co-founded ProFounder, a crowdfunding platform for entrepreneurs in the United States, where she also served as CEO. Walt Disney Imagineering named her its first Entrepreneur in Residence. She holds an MBA from Stanford's business school and a BA from Bucknell University, and her work centers on social justice, financial inclusion and the sharing economy.
Ratings & Reviews
Ratings at a glance
What people think
Listeners find this book deeply motivating, as it presents authentic entrepreneurial journeys alongside significant life wisdom. The personal account is captivating; one listener specifically points out how the author skillfully weaves touching narratives of business owners into the book. Listeners enjoy the accessible writing and overall style, with one listener commenting on its lighthearted, humorous feel. They appreciate the candid perspective on starting a business, with one review stressing that it is ultimately about building a community.
Top reviews
Jessica Jackley’s journey is nothing short of riveting. I found myself deeply moved by how she weaves her personal growth with the grit of entrepreneurs in developing nations. The theme of resourcefulness—doing the most with the least—is a lesson that resonates far beyond the world of finance. Truth is, some stories feel a bit brief, but the overarching message about dignity and human potential is loud and clear. It’s an easy read that manages to be both informative and emotional. If you’ve ever used Kiva, this adds so much context to where those loans actually go and the persistence required to change a life.
Show moreWow. This is the kind of book that makes you want to immediately log onto your computer and start funding loans. Jackley’s perspective on poverty is refreshing because it focuses on strength and agency rather than pity. The way she describes 'clay, water, and brick' as the building blocks of a new life is poetic and grounded. To be fair, the narrative moves fast, but the emotional impact is lasting. It’s a compelling account of how integrity and risk-taking can actually disrupt global poverty. I finished it in two sittings and felt a renewed sense of purpose for my own small business ventures.
Show morePicked this up on a whim and was surprised by how much it challenged my worldview. It’s an honest, humble account of what it means to truly help people without being patronizing. Jackley’s tone is friendly and engaging, which makes the pages fly by. She manages to thread together various stories of business owners to illustrate that entrepreneurship is a universal language. Not gonna lie, I teared up a few times reading about the self-belief these people have. It’s more than just a business book; it’s a lesson in human connection and the power of giving someone a hand up instead of a handout.
Show moreFinally got around to reading this, and it’s a breath of fresh air for anyone tired of traditional, dry business books. Jackley has a humorous and honest voice that makes the complex world of micro-finance feel accessible to anyone. She doesn't just talk about money; she talks about building a global community based on trust and mutual respect. The chapter on persistence was particularly insightful for my own career path. While a few sections felt a little hurried, the way she threads these poignant stories of business owners throughout the text is masterfully done. It left me feeling empowered and ready to take a risk.
Show moreAfter hearing so much about Kiva, I was curious to see the woman behind the movement. This book is a beautiful tapestry of stories, showcasing how small businesses can flourish in the world’s poorest countries when given a chance. Jackley’s writing style is accessible and surprisingly humorous at times, making for a very quick read. My only gripe is that the focus shifts quite heavily toward the author’s own autobiography rather than the borrowers themselves. I would have loved more grit and detail about the actual entrepreneurs. Still, it’s an incredibly honest look at what it takes to build a community through social entrepreneurship.
Show moreAs a longtime micro-lender, I appreciated getting the 'behind the scenes' story of how this organization came to be. The book is filled with meaningful life lessons about persistence and transparency. Jackley does an excellent job of explaining how she had to unlearn her own biases about poverty to see the potential in others. Some of the entrepreneurs she highlights, like the shaved ice shop owner, provide interesting case studies in community building. While the writing isn't exactly groundbreaking, the sincerity of her mission shines through. It leaves you with the message that anyone can be courageous if they just start with what they have.
Show moreEver wonder how a simple idea becomes a global movement? This book provides a window into that process, though it leans heavily into the author’s personal narrative. Jackley is a fantastic storyteller when she’s talking about the people she met in Africa, but the transition back to her own life can feel a little jarring. The book is at its best when it highlights how resourcefulness can overcome a lack of capital. It’s an inspiring read for any aspiring entrepreneur, though I do wish the borrower stories had more meat on their bones. Definitely a good addition to any non-profit lover's bookshelf.
Show moreThe concept is powerful, but I felt the structure was a bit stilted. Jackley is clearly passionate, yet the book often feels like a long cover letter for her own career. Look, the stories of the entrepreneurs are the best part, but they are sketched so broadly that it’s hard to feel a deep connection to them. I was expecting more of a deep dive into the mechanics of microlending. Instead, it’s a light, inspirational memoir. For the price the publishers are asking, I wanted more substance and fewer personal anecdotes that didn't always seem to lead anywhere specific. It’s worth a skim if you find it at the library.
Show moreTo be fair, the writing style is quite easy to digest, but I found myself fighting through the author's life story to get to the 'nuggets' of information I actually wanted. The entrepreneurs are the stars of the show, yet they feel like supporting characters in Jackley's own drama. I give it three stars because the mission of Kiva is so vital and the advice on risk-taking is solid. However, the price is quite high for a book that feels a bit thin on actual data or detailed case studies. It’s an okay read for inspiration, but don't expect a technical manual on how to start a social enterprise.
Show moreI really wanted to love this because I’m a huge fan of the Kiva platform, but the execution felt disjointed. It reads more like a self-appreciating autobiography than a guide on social entrepreneurship. Frankly, the author spends so much time on her own life story and her personal feelings that the actual borrowers—the people I actually wanted to learn about—get pushed into the background. They are mentioned in passing, and I never really got a feel for their daily struggles or specific business hurdles. It's a quick read, but for the current price point, I expected a lot more depth and significantly less focus on the 'I' in every sentence.
Show moreQuestions about this book
What is Clay Water Brick by Jessica Jackley about?
The book argues that entrepreneurs in poor communities are often remarkably resourceful, and that backing them with small loans can do more against poverty than traditional charity. Jackley, who co-founded the microlending platform Kiva, tells the stories of people such as Patrick, a Ugandan orphan who built a brick business from clay, and draws lessons on starting, mission, honesty, teamwork, iteration and risk.
What is microlending and how does Kiva work?
Microlending means giving small, low-interest loans to people starting or growing a business. Muhammad Yunus pioneered it with Grameen Bank in Bangladesh, which later won the Nobel Peace Prize. Kiva brought the idea online: lenders in richer countries fund entrepreneurs in poorer ones, receive updates on their progress and are repaid in small installments. Kiva has handed out loans totaling over $600 million since it began in 2005.
What can entrepreneurs learn from Clay Water Brick?
Jackley’s lessons apply far beyond developing countries. Start with what you have instead of waiting, as she did after an initial rejection from Stanford’s business school. Use a clear mission to spot partnerships that pull you off course. Be open about failures, share responsibilities with a capable team, improve your product through many versions and take risks you have thought through.
How did Kiva handle the $100,000 fraud?
A partner organization in Uganda created fake borrower profiles and embezzled more than $100,000 in loans. Kiva’s management decided full openness was the only option. They informed lenders, apologized and admitted they had been too trusting. Lenders appreciated the honesty and kept supporting the platform, which came out of the crisis stronger. Jackley’s advice is to admit mistakes, apologize and ask for help.
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