[kackontent]

If we talk about Kiva it's always worth to revisit this article http://www.nextbillion.net/blogpost.aspx?blogid=3726 which asks some good questions about their model.

[infoworm]

Also worth looking at Kiva's response to that article, though the editor of the piece you linked to many of Kiva's responses.

http://www.nextbillion.net/blogpost.aspx?blogid=3731