In one of my earlier blog posts, I once wrote about the KIVA organization. You may have heard of them on news programs or from information talks given by well known persons like President George W. Bush and President Bill Clinton. KIVA is simply a non-profit organization from California with a mix of employees, contractors, and volunteers who provide a website interface to match you and me with micro-lending organizations in developing countries around the world. A lot of detractors responded by saying, "it was a rip off, or a scam, or could not possibly work". So as a scientist its about time for me to do this scientific evaluation and follow up about how my KIVA based loans have gone. So far, after about 12 loans, I am pleased to report that the pay-back rate of clients from 9 countries around the world is 100%. Read on..