I'm always curious to know how others (borrowers, lenders, and anyone else associated with Zidisha) first heard about the platform. This is how I first heard about it: Someone had given me a gift certificate to original Kiva as a Christmas gift in December 2014. After I redeemed it, I made two loans there (my husband is half-Ecuadorean, half-Colombian, so I made a loan to an Ecuadorean woman and another one to a Colombian woman). However, I then realized that the loans I made there may not actually go to the specific individuals I intended those to go to; and there was no way for us to communicate with one another; and, worst of all, I discovered that the interest rates charged to borrowers there is on average about 35%, meaning borrowers likely end up in worse financial shape than when they began. I wanted no part in adding that kind of stress to people's lives, and I vowed never to make another loan on original Kiva, and I never have. I quickly discovered Kiva-Zip after that, which offers interest-free loans and which does allow direct borrower-lender communication. So, I made a few loans there, as I like that model much better than the original-Kiva model. There still was something about the culture there, though, that I didn't really like much, so I started searching to see if there might be something I'd like better. The very next thing I found was Zidisha. I learned that Kiva-Zip actually is modeled after Zidisha. The culture at Zidisha, though, is different from Kiva-Zip's and is more to my liking. I am not active on Kiva-Zip anymore; I'm just receiving repayments on loans over there, which I withdraw into my PayPal account and which I intend to use on Zidisha ). I had been thinking about doing something to help others (besides mainly just my husband and his family, I mean), but didn't really think I could make much of a difference in the world. However, that changed after I watched Tom Shadyac's documentary film "I AM" in early-December 2014, and read his book LIFE'S OPERATING MANUAL, WITH THE FEAR AND TRUTH DIALOGUES, soon afterward (http://forum.zidisha.org/threads/an-introduction-to-tom-shadyac.3008/). He is the inspiration behind my being at a place like Zidisha (and the gift card someone else gave me to Kiva in late-December 2014 is what led me, soon after that, in late-January 2015, specifically to Zidisha). I'd love to hear others' stories of how you discovered the platform. I hope some of you will share. .