[mfheretic]

I saw the HN article questioning Zidisha - Modern Microcredit I think. My experience has differed from that author's impression, and I have tried to be as transparent as possible to explain with hard data why. But I cannot explain HOW this difference in experiences with Zidisha occurs. My concerns with Kiva are more far-reaching, but no point going over that now. I receive many emails asking precisely this question, which prompted me to embark on an overview of the sector, explain the options available (there are more than you might think!), and to examine the individual players in each option. Ultimately you need to decide what you actually seek to achieve, and which model you prefer. Do you need to use a P2P at all, for example? What about simply opening a savings account in a regulated microfinance bank and leaving your funds there, potentially earning a small interest rate? Your funds will be used for the same purpose, lending to microfinance clients, but you won't know which? And if you prefer the P2P mechanism, as far as I can see the key questions are: lend or donate? Lend at interest or interest-free? Lend via an MFI or directly? Once you answer these questions you will have narrowed your search down significantly, and can then do a more detailed analysis of the options available. I think you should think about these questions, and be aware of the options, before you try to select who you should invest with.

You are right that MyC4 is euro denominated. However, I had a quick look at their FAQ:

https://www.myc4.com/About/MAIN_FAQ#WHO_CAN_INVEST

Seems to be available to everyone.