Zidisha is a microfinance organization that allows lenders to loan directly to borrowers at reasonable interest rates, plus a borrower transaction fee. The borrower sets the rate ceiling, not Zidisha or another third party organization or Microfinance Institution (MFI). Actually, a lender has the option of lending at a 0% interest rate, which is a big plus as is the ability of lenders and borrowers to interact directly with each other. The ability to control rates while lending, transparency of Zidisha (e.g. disclosure of rates & fees), and having no intermediaries are the three main factors that attracted me to Zidisha. I intend to keep lending here as long as the three main factors remain.