[silisili]

Don't get me wrong, I like what Kiva does in theory, but it's definitely not charity. They mainly just partner with 'microloan' companies in poorer nations, who themselves can be pretty relentless about collecting their money back.

They often have pretty ridiculous interest rates, such that if you don't make a ton of money from it, you're trapped in debt for a long time. And yes, they'll come to your home to collect. Think of it as basically more aggressive payday loans. To be clear - not Kiva, but their partners.