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Matt Flannery In 2005, American Matt Flannery started Kiva, a non-profit organization that allows people to lend money via the Internet to low-income / underserved entrepreneurs and students around the world. By June 2014, the platform had reached 1.3 million small businesses who received nearly $ 600 million in loans. Last year, Flannery resigned as …

Some Harmoney investors complain about a lack of transparency. Photo / Getty Images Some people are unhappy with the billing model of peer-to-peer companies. Investors fall in love with New Zealand’s leading peer-to-peer (P2P) lender. Harmoney was launched last year and investors have appreciated the opportunity to earn higher returns than bank loans. But many …