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I am glad that Vitalite was able to respond directly as to how they are doing.

I also had a chance to speak with John and in regards to Kiva's vetting/due diligence process he described it as "legitimate" without the "ridiculous questions" that are common in other due diligence exercises. For those, foundations or investors are trying to make the enterprise clear their check boxes and they do not emphasize the specific organization's trajectory.

John is unique because in the past he had a chance to work Senegal Ecovillage Microfinance (SEM, one of Kiva's first partners: ). John was thus able to compare the Kiva Field Partner model with the Direct to Social Enterprise model that will pair with crowd-vetting. He described DSE model and its lack of intermediary as the "future of Kiva" where we are better able to connect borrowers and lenders.

Vitalite also provided feedback on the DSE operations and areas of improvement. Kiva looks forward to supporting and better serving social enterprises like Vitalite.