Why Kiva is a better option

I will let the figures speak:

1705 Repaid loans
1220 Defaulted loans (not sure if this includes Ebony);

So we have a very high percentage of defaults 41.70%

74486 Paid Back
3369 Ended with Loss (many of which are Ebony)
4.3%  defaults/ended with loss

Obviously, given the data, Kiva is a much better (and simplier) option.

I have just made some more loans on Kiva – my updated lender page is here

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