It's pretty straight-forward. It is a great way to help people. Micro-credit isn't the panacea for poverty, but it certainly helps many people who are entrepreneurial improve their lot in life. I like it because you are really only taking a very minor risk and tying up your capital for however long to help someone. I've given out I think 5 loans now with just $25 that I just keep recycling. I would highly recommend it. Kiva all the way