Sound off and tell us why you joined. Where I remain true to my Kiva roots, Zidisha is different. It is smaller, has minimal overhead (just one employee, the rest are volunteers), does peer to peer lending at costs to the borrower of between 5 and 20% and it allows me to earn interest to offset possible losses. A few facts Cumulative Statistics Report for All Countries Loans raised: USD 712,643 Businesses financed: 1,241 Average lender interest: 4.50% Write-off Rate: 2.23% Repayment rate: 97.77% Number of registered lenders: 2,313 Number of registered borrowers: 1,067 Countries represented by Zidisha members: 84 The concept is interesting as no loans are pre-funded. Unless they have suffient appeal to secure funding they lapse unfunded. Borrowers specify a maximum interest rate and want-to-be lenders bid, often at much lower rates. Once the bids equal or exceed the funds needed, the borrower accepts the lowest bids. Stop by www.zidisha.org and join our team. I look forward to seeing you there.