Most of the people that I have loaned to through Kiva are people with a very low standard of living (relative to the west) which means they do not have access to computers and without the Kiva field partners they would not have been able to obtain a loan. Does Zidisha do anything to address this? The interest rates that Kiva field partners charge aren't great (and it's great to see an offering that goes a long way to solving that problem, along with allowing loan forgiveness!) but they seem to be a necessary evil, as they support the expense of helping people who don't have the ability to request a loan directly.
For example, can I use Zidisha to support people like Salamatu: http://www.kiva.org/lend/625549, or is Zidisha something I should use alongside Kiva to help the more fortunate borrowers?
The assumption that poverty = lack of access to the internet was pretty generally true until about five years ago.
Today, the generation just entering the working population in developing countries still live on pretty meager incomes, but unlike their parents, are commonly on Facebook and able to participate in an online community without any intermediation from local organizations.
Most Zidisha borrowers are young adults living on about a dollar a day in the urban slums of Africa and Asia. They often have high school degrees and many are enrolled in university, but they live in sheet-metal shacks in muddy streets lined with sewage. They help support their families by searching for low-pay day labor or selling small inventories of low-value items. They usually access our website via public cybercafes (the price to browse the internet in Nairobi is just about ten cents).
So to answer your question, to support Salamatu herself you would probably need to lend through Kiva or another local organization. But if Salamatu has children, they may well be raising their own microloans through Zidisha someday.
For example, can I use Zidisha to support people like Salamatu: http://www.kiva.org/lend/625549, or is Zidisha something I should use alongside Kiva to help the more fortunate borrowers?