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I just made my 20th Kiva loan last week. I haven't had any default, but I had one slow to repay- so I figure my odds are pretty good. I have yet to cash out anything, I just keep reinvesting.
on a side note, For Christmas last year my brother gave all the nieces & nephews $25 Kiva gift certificates. My oldest son (he's 8) and I went online to pick which loan he wanted to make. We told him he could cash out after the first loan was repaid, however he decided to reinvest it in his second loan- he checks the status of his loans more than I do and has even slipped his loan recipients into his bedtime prayers.
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So I enter that I may grow in knowledge, wisdom and love.
So I depart that I may now better serve my fellow man, my country & God.
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