In America, there's so much capital to lend that lenders have to round up riskier and riskier borrowers just to give their money away. In Kiva countries, capita

In America, there's so much capital to lend that lenders have to round up riskier and riskier borrowers just to give their money away. In Kiva countries, capital is so scarce that they can take the cream of the crop of borrowers, and then take the top 5% of them. Apples to oranges in so many ways.