Probably a bit of both. At present I don't see why they shouldn't be at least as popular as a normal charitable donation. With Kiva, your money goes to some rea

Probably a bit of both. At present I don't see why they shouldn't be at least as popular as a normal charitable donation. With Kiva, your money goes to some real individual, they use it to build their business, tell you about what they did, then the give the money back - and the cycle repeats indefinitely. One donation lasts forever.