Exactly. Kiva doesn't give out the loans itself, but uses partner organisations. And IIRC they have cut ties with several of these due to various scandals, thou

Exactly. Kiva doesn't give out the loans itself, but uses partner organisations. And IIRC they have cut ties with several of these due to various scandals, though a quick search hasn't yielded any reputable source. Maybe that means that the due diligence process (ultimately) works...