Easy, 5x VGCs. Although lately it's been 2.25x (CFU + CSR). Part of me doing Kiva is indeed the charitable/good works aspect of it, but I do have to admit that it's fun to see the money come back in. When I make loans, I do (obviously) try to find people who will pay me back, BUT I do take the occasional risk and throw some money on something a bit riskier because I like what the person is trying to do.