Sort:  

it goes into my kiva account as credit when they pay it off. From there I could withdraw it if I wanted but I and most would just roll it in. There are also things similar to curation trails where groups of people fund things together and also a follow where a donater will match the donation. For example, the one I donated to had a x2 multiplier on it and was matched by another organisation.

Okay; So it's kind of decentralised! Clever concept.