It is worth noting that while Kiva is a non-profit, the loans go through potentially for-profit middlemen who may charge very high interest rates. Additionally

It is worth noting that while Kiva is a non-profit, the loans go through potentially for-profit middlemen who may charge very high interest rates. Additionally, money is actually sent to borrowers before their story is even posted to Kiva. http://en.wikipedia.org/wiki/Kiva_(organization)#Pre-disbursement_of_funds http://en.wikipedia.org/wiki/Kiva_(organization)#Pre-disburs...