Hi frozenport,

Thanks for this honest feedback. Zidisha definitely isn't for everyone - it is really a do-it-yourself platform rather than a managed charity.

We do have an autolending tool, which gives lenders the option of having their repaid funds automatically recycled into new loans. However the vast majority of our lenders opt to choose their loans themselves, and some even develop online friendships with the borrowers - exchanging recipes and children's photos, like old-fashioned pen pals except the communication is instantaneous. Our platform is really optimized for getting directly involved with each individual loan.