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Thanks Perp and Simon. I'll do a bit more research though - I'd like to know how much interest the recipients have to pay and what effect microloans are having on their general communities.

I've just done some research on Kiva and I'm a bit confused. What is the amount of interest that your borrowers are paying? Does all that interest go back to you, or is there an administrative fee along the way? Or are you foregoing interest repayments? Is that the charity bit...