Hiya, I just made my 94th loan today - I use a float of about <> $300 and when people pay back I just draw down the balance & use it to fund other new loans!
It's the best charity in the world for my heart & soul - (Kiva.com) ... I've always believed that you do NOT give a man fish, you BUY him a fishing rod and TEACH him how to use it, he will have fish for life.
Too many charities give handouts willy-nilly and ppl become dependent on hand-outs, collapse in a screaming heap when they stop. Kiva is definitely the duck's nuts in every respect, and in 94 loans, I've never had a single, solitary default or lost a solitary penny
If you wait until this page loads properly and scroll down, you can see the wonderful array of types of loans available, the regions etc .... Kiva - Lender > Dianne from Morningside, Queensland, Australia