I personally have made 59 loans, only one of those defaulted.

About Kiva:
Kiva is an international nonprofit, founded in 2005 and based in San Francisco, with a mission to connect people through lending to alleviate poverty. We celebrate and support people looking to create a better future for themselves, their families and their communities.

By lending as little as $25 on Kiva, anyone can help a borrower start or grow a business, go to school, access clean energy or realize their potential. For some, it’s a matter of survival, for others it’s the fuel for a life-long ambition.

100% of every dollar you lend on Kiva goes to funding loans. Kiva covers costs primarily through optional donations, as well as through support from grants and sponsors.

tl;dr
Join Kiva, loan money to others in need, get your money back (99% of the time) and re-loan it, or transfer it back yourself.

@mom2jel Is there the potential to make money or is this solely charity?

Charity only - BUT, you can get all of your $ back (if you wish) if the loans aren’t defaulted.

I originally put in $100 and made four loans; when the money was paid back, I kept re-loaning (and donate a small amount each time to offset the Kiva costs). That $100 helped 59 people!