Something people should be more aware of regarding Kiva...<p>Ignore the pictures of the people you are purportedly lending to, their projects, and even their country. That is pure marketing.<p>If you read the small-print <a href="http://www.kiva.org/about/how/even-more" rel="nofollow">http://www.kiva.org/about/how/even-more</a> you will see that you aren't lending to these people at all, but actually making zero-interest, low-risk, short-term loans to micro-finance institutions. (That said, I do have a couple of hundred dollars in Kiva myself.)
If they have faith in the system, then surely this should cost them next to nothing as everything should be repaid? (Although I'm naive on the accounting of things like this.)<p>Great idea though, never lost a $1 through kiva lending.