Aye, most of the MFIs (microfinance institutes = banks to the poor, essentially) are for-profit. Some are non-profit, though, but they all charge interest rates

Aye, most of the MFIs (microfinance institutes = banks to the poor, essentially) are for-profit. Some are non-profit, though, but they all charge interest rates for these loans - kiva lenders essentially are loaning them interest-free loans ($25 at a time) to encourage them to take more risks, that is, lend to poorer clients for lower interest rates.