Evan J. Segal was a CEO who was able to successfully export to China. Now he’s working with Kiva.Org to help people finance their new business start-ups. Kiva’s clients are not the type of entrepreneurs that can go to the bank and get a loan. Instead, you go to Kiva, get a zero percent loan so you can start your business. Kiva will try to assess your business plan’s viability and your credibility. They’ve been pretty good at since their payback rate is 98-99 percent. Imagine if banks could get to 98 percent repayment on their credit cards.