Kiva is shifting its focus back home with a program called “Keep the Heart in San Francisco.” It’s taking its longstanding Kiva Zip program for small business owners in America, and targeting it at San Franciscans with zero-interest loans. The funding process works with donors kicking in money at $25 increments to circulate around Kiva’s portfolio of borrowers. On the borrower side, Kiva has kicked in a few social mechanics that enable it to evaluate credit risk without needing a long history like a commercial bank typically would require.  Read More>>