Yup Kiva is a great way to lend and you can match your risk profile... The 50% or greater interests are the exception rather than the rule... there are plenty at 0% and I would say the majority are in the region of 10% - 30%
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That is where the "risk profile" is somewhat skewed. Your risk profile is based on what the site considers the % of risk, not the "true risk". There is a reason they are high risk and high percentage. Because it is almost a 50/50 percent that you won't get your money back. Plus there is no recourse for default.