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RE: Micro lending sites - Kiva.org - the borrower perspective.
How would you think it's a ponzi. KIVA is not for profit I've been a KIVA lender for over 7 years and my initial seed money has been relent many times to help people in many countries.
all easy, in internet you cant trust anyone , so we can consider anything :) plus i just gave evaluate of traffic so people will know how popular this service is