Here is a screenshot of the profile of someone who you can currently donate to.
I've circled things that seem misleading or unclear to the casual user of Kiva.
Jimerb, I agree that it would be good for you to send that to Kiva customer support as someone already mentioned. It is good to see things from another perspective, from that of someone perhaps not as familiar with the nitty gritty of the different processes on Kiva. I remember when I started loaning on Kiva, things were much simpler, or at least it seems that way to me now. Since the very end of 2007, things have gotten much, much more complex and more difficult to explain to a newbie. That is why I feel that each lender should try to also find out as much as they can by reading up on as much of the info that is available. I've recently introduced a friend to Kiva. I'm trying my best to point out where to find some important info and things. But I am afraid at times of scaring her with too much information and detail. I think Kiva is really making efforts toward clarifying things. But no, I don't think Kiva is perfect. I feel they still have a lot of work to do and things to iron out so-to-speak.
I hope I never gave anyone the impression that I was talking down to them with another post of mine (I'm not sure where it is anymore, can't remember in which thread I posted it).