Finally, more money has been returned to me via kiva.org who are now bombarding me with spam emails asking me to just.. y’know.. GIVE them the money in the account.
Kiva specialise in micro-loans in poor countries and show you photos of the people you’ll be actually giving the money to, so you end up feeling all warm and gooey when you receive updates on how they are paying you back and how their business project is going. However, these are NOT the people you loaned money to- THEIR loans have already been paid off.
Kiva also give the impression that this is somehow interest free or at least low interest. What they don’t tell you is the money is distributed by local money lenders who charge up to 100% interest on the loan.
(Pictured below: not the people I thought I was helping at all.)