This week I got notification that my very first Kiva loan has been repaid and so the money I lent is now available to lend again. I think it's great. At Kiva, you can browse through the list of people who would like a loan. You pick someone and loan them the amount you choose. Kiva distributes the money and takes in the repayments. I think it is a great way to help out. My first loan helped a woman in Brazil start her own juice business and my second load is going to a woman to help remodel her home in Nicaragua.