November 4, 2013 — Sometimes all it takes is a jump-start. That belief is the driving force behind the work of former PayPal product manager Premal Shah, who today heads Kiva, a global microfinance organization that connects borrowers who need funding to launch poverty-transforming businesses with socially minded lenders who have as little as $25 to invest in their success. Since launching in 2005, Kiva has crowdfunded more than 1 million loans totaling $486 million in 73 countries with a repayment rate exceeding 99 percent. What makes Kiva work so well? Shah shared his thoughts on that recently with Ensia and Terry Waghorn of Forbes.