I lend on Kiva, and I don't have a problem with it. There's a lot that has to happen between my Paypal transfer to Kiva and the money being distributed to the local entrepreneur...and even more that has to happen to collect the payments.

I'm happy to set aside a small amount of money as a catalyst for progress, and thankful that others are doing the heavy lifting.

(Apologies for continuing this off-topic line of conversation.)