Kiva does have a problem with doctored / 'shopped / manipulated photos of borrowers, and has declared them not acceptable. The issue was aired in 2010 in relation to Manuela Ramos when it posted several photos that had been amended (see
http://www.kivafriends.org/index.php/topic,5161.0.html ) and that ended up with a clear enough statement of policy from Kiva. "In March 2010, Kiva discovered that some recent loans posted on Kiva by Manuela Ramos had pictures that were altered using photo editing software. This is in violation of Kiva’s policies." - from the April 2010 update on Manuela Ramos partner page --
http://www.kiva.org/partners/72I agree with Kiva's policy in this respect, that faked photos are not acceptable. If the MFI had trouble in getting a group photo, they could have put together a photo montage, and explained very briefly in the write-up why they had to do that. The trouble with forging a photo is that it calls into question what else about the loan might be fake. That's a general observation, I'm not saying this particular loan is faked. And the individual women involved do (as individuals) deserve better than to be presented in this laughably inept way.
.