Well, if 10% of every sale (~3$ per sale) goes to a loan, this will make significantly less than ~300$ every 10 sales. I also want to make sure no-one can suspect me to keep money for my organization. If people make loans on their own, there is no risk there.
I've been in touch with Premal, Liz and the engineer in charge of opening the Kiva system with an API. I am rather optimistic that the model i proposed can be set up in the first months of 2009.
That's really good news, mig! And I agree with your rationale.
Best wishes,
Wolfgang.