<prompt> Kiva anotanga pfungwa iyi muna 2005, kupa wokutanga web-inobva basa kubudisa munhu chikwereti Profiles kuti mari. Kiva anounganidza mari kuti omunharaunda intermediary microfinance masangano iyo kuposita nyaya uye reserved nokuda borrowers. Lenders anogona kupa sezvo shoma sezvo 25 kuti zvikwereti zvavanosarudza, uye kugamuchira mari yavo shure sezvo borrowers kudzorera. Kiva anowira kure kuva yakachena peer-to-peer rudo, pakuti zvikwereti vari disbursed vasati mari ne vanokweretesa uye borrowers havatauri nevanokweretesa. Zvisinei, ichangopfuura kupararira Internet munyika akaita zvechokwadi peer-to-peer zvikwereti kuwedzera nyore mhiri miganhu.  <response>: Zidisha 