 The loans posted to Kiva U.S. are often from borrowers who have been rejected for loans by traditional banking institutions, but on Kiva U.S. they don't need to be able to produce high credit scores or collateral.Kiva U.S. uses a system of trustees, who vouch for the borrowers.Kiva U.S. trustees can be local non-profits, service organizations, businesses, faith organizations or community leaders.