For awhile, Kiva existed as a internet company which allowed people from all over the world to lend entrepreneurs in third wold countries money to startup their businesses. The loans ranged anywhere from $500 to over $1000 dollars, with the money being provided by many different people, usually at around $25 a person.
Recently Kiva owner Matt Flannery has decided to extend the loan service to those living in America also. This is in response to criticism by many people who ask why Kiva is helping all these underprivileged entrepreneurs in other countries yet ignoring the people who are trying to do the exact same thing here in America.
However, there are also some people who threw heavy criticism at Kiva for doing this albeit for another reason. They believe that the company should only be helping people in other countries, and that trying to help people in America as well spreads the money too thin.
Time will tell whether this move will be good or bad for Kiva.