As mentioned above I don't use Kiva as MS vehicle, but just curate the 1000$ collected at SMD1&2. No withdrawals or contributions made since then. I understand what Kiva is all about, but am still very disappointed how they handle things. Accion US, who was the outfit handling the US loans which defaulted in a big way, renamed itself and relisted for example. It has since been closed by Kiva again.