:Author:   Lars Hasselblad Torres
:Date:     Thu, 28 Aug 2008 14:20:27 PDT
:Modified: Thu, 28 Aug 2008 14:22:42 PDT

I think there is some room for learning here: for example, I have a hard time believing that Kiva actually has a 100% "on time" payment rate with 95% of its MFIs. So rather than use their rating system to drive all resources to well-perfoming MFIs (see the downward spiral?) I'd like to experiment with those that might have moderate or low ratings, but look like they are doing some work that pushes the envelope ie giving out riskier loans, ie the recipients experience the family/business expense tension more acutely say, or are getting out of the "middle man" role (buying low, selling hi) and into production, or inventors, etc etc....