<prompt> Human: I just found out about it, did some research but would like to get some advice from someone who actually used it.I know they offer some good interest rates besides helping you finance small local businesses in poor countries but is it for me? I dont have much money.  <response>: It is NOT an investment, it is a donation. You do not make any money from this. If you are looking for an investment, this isnt it. If you like the idea of helping people in developing countries, and you think that Kiva fits that bill, than do it. But dont think of it as diversifying your portfolio... 