Could it not just be that there are a lot of people in similar situations getting loans through Kiva and to save time a template is used for the loan description?
Anyway, I have already asked them, waiting for a response.
http://www.kivafriends.org/index.php/topic,506.0.html
On page 52 of the thread there's an example of different women being photographed at the same store. So it definitely does happen sometimes.