We all have our methodology to choose our Kiva loans..... I do due diligence on every loan that I make. I usually have about 400$ to reinvest as I have built up a strategic porfolio with regular and predictable cash flow for repayments. It is the same methodology that I applied to build my personal pension plan. The first thing that I examine is the quality of the Field partner sponsoring a loan. I rely on the vetting done by Kiva and I examine the track record of the Field parter choosing loans to post. I next look at the timeframe of repayments. I prefer short time loans as I feel that my repeated loans get more bang for my $25. Two geographic areas of the world attract my attention: Africa where I worked for two years as undergraduate NGO and Central and South America where microlending is well established. I always reserve a few loans for other areas of the world. There are a few types of loans that I avoid.....anything with do with alcohol for I have witnessed firsst hand the ravages of alcohol especially in Africa where they can ill afford to buy booze ! (disclosure: I enjoy wine and scotch !!!!! ). Personal loans for weddings etc are not my thing. I am a classic microlender and I avoid certain kiva loans outside of my parameters. You can guess which ones that I am alluding to. Through personal choice my loans I rate lower risk.... if you can term microlending a low risk activity as I am preparing to accept loss as a by product of microlending. I do however stretch a bit every repayment cycle and take a chance to help out one or two riskier loans. Anyone else want to share their criteria?