I will let the figures speak:
MYC4
1705 Repaid loans
1220 Defaulted loans (not sure if this includes Ebony);
So we have a very high percentage of defaults 41.70%
Kiva
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
