This document provides an overview of Kiva micro-lending and how it works. Kiva allows individuals to make small loans to entrepreneurs in developing countries, get updates on the loans, and be paid back over time, with the option to repeat the process. The document outlines the Kiva lending process, use of the Kiva portfolio to track loans, and some risks involved in online lending through Kiva. Readers are assigned homework to learn about micro-finance, sign up for Kiva through a provided link, make a loan, and report back.