Have you read: http://www.kiva.org/about/how/even-more http://www.kiva.org/about/how/even-more They aren't charging any interest rates at all, and all interest

Have you read: http://www.kiva.org/about/how/even-more http://www.kiva.org/about/how/even-more They aren't charging any interest rates at all, and all interest rates are set by the field programs. Obviously, in developing countries they are taking on significant risk, so that is passed on to borrowers. If they didn't do this, many would go bankrupt.