Born and raised in Iceland, Kristrun had the chance to travel the world, working and studying abroad for several years of her life. Holding a double master degree in Economics and International Management, the main focus of her studies and professional career is in the financial service sector and development economics. Microfinance can be seen as a bridge between those two fields. An active Kiva lender since 2007, Kristrun currently lives in Sweden and has been working as a consultant for major financial institutions across Europe on various risk and strategy related topics. Besides regular work and studies, Kristrun volunteers for the local Red Cross helpline in Iceland, visiting and giving advice to improve conditions for orphanage homes in S-India as well as assisting with fundraising to build a school for street children in Nairobi, Kenya. Now it is time to take one step further into the field of humanitarian work and help developing the Kiva Zip model.