Waiting for a load of donors to give may well be "inefficient", but the fact is that telling people they're giving to one person and not another is, in my opinion, fraud.
I lent to someone through Kiva precisely because he worked in a particular industry in a particular country which I believed in supporting. Me. Not some Gap Year NGO worker or in a bureaucracy.
If the person I wanted to help had already got my money, that therefore means that someone else who might have been doing something that I wouldn't want to support got my money instead.
I'd already been warned off "sponsor a child" programmes which don't sponsor a child, but instead sponsor the village of the child (where spending then gets decided by Gap Year NGO workers), but I'd assumed Kiva was different.
Obviously not. My money will go elsewhere now.