Kiva.org is a not-for-profit organization, with its headquarters in California, United States. I came across a thread on NL claiming to be "Kiva's lending team in Nigeria". Did a little research about them and it didn't reflect on Kiva's website. No mention of a lending team with an office in Lagos and the 'customer care' didn't sound convincing enough as though he was being told what to say. Tried following along until he asked for my ATM details for 'verification'. Sounds like cheap fraud to me but has anyone tried and succeded with these guys? It always sounds too fishy. Please, always be on guard and always be at alert and suspicious anytime, everytime. These boys getting more stupid by the second.