 This is disclosed on Kiva's site; each loan proposal states whether funds were pre-disbursed.Thus, lenders' loan funds are likely to go to borrowers other than those chosen by the lenders.However, since the pay-back behaviour of the specific borrower chosen by the lender "does" influence whether or not the lender gets their funds back (except when an MFI has chosen to cover for borrower defaults), there is at least some connection between the lender and the specific borrower.