Is Kiva a Scam?

Kiva seems to be doing great things for entrepreneurs, but is it all a scam? Some say that Kiva works with a for-profit company that takes 23% interest from your investments. None of these sources are 100% credible.  Kiva is not that transparent about it either. When you are doing a great thing like Kiva is currently doing, you have to expect someone online to spread rumors and take you down. If you search “Is Kiva a scam?” on Google, you will see a mixed bag of opinions and no solid facts. After having read testimonies, and scanned over “evidence” of Kiva being a scam, I came to the conclusion, that scam or not, Kiva is still doing great things with its ability to bring money to where it is needed most. Testimonies stated that mostly all investments are returned on time, and leave both parties very satisfied for helping and being helped.