An anonymous reader writes: Per their website, "Zidisha is the first peer-to-peer micro-lending service to offer direct interaction between lenders and borrowers across the international wealth divide. We eliminate the middleman, ensuring that entrepreneurs' profits stay right where they belong – in their communities." Per their statistic page, they claim a 97.71% return rate, their average interest rate is multiples below the global average for micro-financed loans (even after adding their 5% finance fee), and they are just about to surpass $600K loans raised. Apparently they have so many stories to share that the director published a book. For those skeptical about capitalism, perhaps this is an example of how we can hack it into something better.