Hey giblet - good luck with the application! Do let us know how you get on - would be great to get field reports.
I had my first loan problems today. I loaned to a group in Ghana, and inspection of the in-country partner has shown that it's management and control is really poor. So far, I don't think my loan has been impacted, so it looks like Kiva caught the situation before a major problem should develop. And now they are working with the partner to improve the situation.
Nice reminder to keep spreading my loans about though!