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.)