Originally Posted by ddutil

I don't want to rain on everybody's feel good parade here, but I made 32 loans and have a 7.93% default rate. Everything I read about Kiva is how wonderful it is and how you never lose money. You can lose money. If you want to give to charity don't let me stand in your way, but if you want to get miles with a small risk of loss, this is not the place to do it.

Originally Posted by onthego15

If you want to lower risk, it's best, I believe, to diversify your portfolio. I've made 645 loans to every Kiva country but Zambia and to over 100 field partners and my default rate is 0.26%.