Honestly, I never noticed that option before but have noticed my delinquencies are spiking (now almost at 10%), and I've also been getting a few defaults. I am a sucker for green energy/farming loans and had a couple US loans that defaulted, which was a reminder not to loan within the US unless I did more detailed vetting of the borrower. Overall default rate of 0.50% which is not bad and certainly worth the ease of unloading cards - although I expect that delinquency rate will probably convert into a default rate of 2% when all is said and done.

I got invited to the Kiva summit a few times and didn't think about going since I'm not in the Bay, and it appeared they didn't do one this year, but will definitely look into going next time.

I'm surprised that anyone could get hundreds of thousands through Kiva - WOW! I do maybe $10,000 a year, spread out between funding other loans in the FlyerTalk team and my special interests. I am ramping down my lending as the office store deals get worse, interest rates go higher, and Plastiq, among other vendors, offer better pajama unloading opportunities. Also, rather than $100 or $200 loans, I'm doing $25 increments on more loans instead to diversify risk.