Now that you have been a Kiva lender for years, you may help to understand whether Kiva actually works as mentioned in http://blogs.cgdev.org/open_book/2009/10/

Now that you have been a Kiva lender for years, you may help to understand whether Kiva actually works as mentioned in http://blogs.cgdev.org/open_book/2009/10/kiva-is-not-quite-what-it-seems.php http://blogs.cgdev.org/open_book/2009/10/kiva-is-not-quite-w....