Well, I understand your situation (I hope) and I respect your sincere response to my post.

I just want to make sure that I was clear when I described Kiva loans as borrowed money, not donated. That is: you will get your loan back, eventually, after it’s been repaid by the borrower. Then you can either withdraw it to your PayPal account or to lend again to another borrower/project. So it’s not a donation or a charity in the traditional sense. It’s more like a help to self-help. A hand up. Not a hand-out.