I absolutely love this model for socioeconomic development. I often travel to Africa, where I witness first hand the living conditions and lack of basic necessities like safe drinking water, food, access to medical care and safety/security. I believe that NGO's like Kiva are the key to solving many of the problems in developing countries. The design of the website is fantastic and people love to see how their investment is having a positive impact in the lives of others. Kudo's to Kiva!