You think you're a genius, don't you?
You don't see how Kiva might be the ONLY good solution for solving hunger and poverty in the long term? Time and again it has been show that just throwing food, formula, and water at the impoverised only makes the problem worse in the long term, it is not a solution! Kiva gives those impoverished people the opportunity to become productive members of society, and therefore feed themselves and their family for generations to come. Use your head a little!