Visiting the Kiva site to recycle yet another loan (I don't actually put a lot of money in, but it sure gets around! ) I found they have recently added another kind of loan mechanism, "Kiva Zip", which has a more direct connection between borrower and lenders. The theory is that it cuts costs and enhances social connections. Read all about it here: https://zip.kiva.org/learn
I haven't decided yet whether it's a good move or not. I welcome other members' thoughts.