More Kiva Kibitzing

Let's consider how successful KIVA (I am not singling them out other but it illustrating a point here) has been in attracting average Americans to the sector while keeping a very simple message and not getting into the nuances.Would it have worked if Kiva stated on its home page:

"Make a microfinance investment of $25 to a Maria in Guatemala. You won't get a return on this investment, but an MFI will charge her 30% locally. She may have access to other loans also from other sources, though none of this is easily discernible as there is limited use of credit bureaus. So, it is possible that your loan may actually be going toward the purchase of a new television for her husband. Yes, often loans to women can be used for the benefit of their male family members, as it is easier for women to access a microfinance loan. We expect she will pay you back though. Women tend to pay well, even if it means forgoing other expenses. Ideally, of course, she will use her loan to invest in her business of selling cakes on the side of the road. She and some other 15 women do this daily. The margins are low, but it’s the only business that they have learned to manage. Luckily, her children help her after school, which boosts sales quite a bit. Assuming none of them have a roadside accident, it is a predictable income stream.Without this loan, María might not otherwise have sufficient working capital to make her cakes and compete with the other women on the road. She could go out of business altogether. Please lend to María, it’s a good thing."