I monitor every field partner and only make loans through ones whose records meet what i think to be acceptable practices. I also check all available data about the borrower and I am picky about purpose and tenor as well. I have a bit over 150 loans outstanding new. I have never had a loss and only one delinquency, since cured.

In my view, part of the success of this program is lending to people who will be able to repay and build their own professionalism. I depends on professionalism form Kiva, to be sure, but I still check out each filed partner independently. In the end I am unwilling to outsource my own credit investigations. I am too anxious that the borrowers do not end out overextended.

So, there are places I rarely lend because of unreliable partners, Cambodia is one. The US and Kenya are others.