Agreed. I'm not sure about Kiva (or micro-finance more generally) anymore as the best use for spare cash. I was just commenting on the original assertion that

Agreed. I'm not sure about Kiva (or micro-finance more generally) anymore as the best use for spare cash. I was just commenting on the original assertion that "the only microfinance organizations available would only take donations not investments" EDIT to add: Though, Kiva can't be considered an investment, either - best case (!) you get the original amount back. While the field partners take considerable interest from the loan recipient. So...