[Cry Me A River]

They do take donations, which are tax deductible and fund the administrative costs of Kiva.org itself. But the loans are not donations (unless you're unfortunate enough to get stuck with one of the few that default on their loan).

Well, I guess if you leave the money in circulation on Kiva.org and never take it out. It effectively becomes a donation. But the cash is always there waiting for you. Be like if you deposited money in the bank you never withdraw. You didn't really donate it to the bank...