Kiva: Sounds kind of shady

Kiva is a website where entrepreneurs post their business ideas in hopes of getting an investor in the company.  There are entrepreneurs all over world seeking money to help start up their businesses. Kiva is based on the generosity of people and it promotes dignity, responsibility, and transparency. Kiva has generated over $100 million in loans to entrepreneurs. Lenders look through the profile and send money through paypal or a credit card to that person. I personally would never get involved in this because you only read a small profile and do not get to actually talk to the person. If the person did not repay, it would be a headache to go through getting a couple hundred dollars back or even a couple thousand. I think the website is a good idea, but is just something I would never get involved in.