Thanks for pointing this out to me! It's disappointing to hear that, but after reading through the Kiva's response I understand some of the difficulty. They're

Thanks for pointing this out to me! It's disappointing to hear that, but after reading through the Kiva's response I understand some of the difficulty. They're certainly not ideal but seem like a solid choice compared to most of the other organizations out there that are completely opaque as to what is actually done with the money.