For a different experience, join the milepoint team at Zidisha. It is much smaller than Kiva and riskier IMO although so far no losses. Right now it only has 14 active loans and they pay interest at between 0 and 7%. It is only in a couple of countries right now but is fun in that itswrite-ups are more detailed and most loans are just 12 months. I have asked Randy to create a Zidisha sub-forum as we do not want to dilute our Kiva efforts. The Zidisha milepoint team is at https://www.zidisha.org/index.php?p=82&gid=38 and is off to a great start. It is a perfect place for those of you unhappy with Kiva. Please join with me.