> Kiva is not an investment instrument for making profit For sustainability it needs to have a return for the investor. It seems odd that I would “loan” my mo

> Kiva is not an investment instrument for making profit For sustainability it needs to have a return for the investor. It seems odd that I would “loan” my money and not get a return. I donate to charities. That seems more efficient. Wouldn’t it make more sense to just build in a return to investors to attract more people willing to learn. Kiva is making money. The CEO is making money, it seems odd not to pay people who lend money. As it is now, I’d rather donate and get a tax deduction and be done with it and have the firm lend out my donation over and over.