[clloyd]

If they have faith in the system, then surely this should cost them next to nothing as everything should be repaid? (Although I'm naive on the accounting of things like this.)

Great idea though, never lost a $1 through kiva lending.

[knight99]

Looks like kiva has 98.87% repayment rate, so a small price to pay to attract new users.

http://www.kiva.org/about/risk/overview

[sgk284]

Yep, same here. I've done several loans and always have gotten repaid. Great service.