I have made 12 loans through Kiva over the past 2 years. As soon as i have enough to re-lend, i do.
It is very rewarding, and the kids like to help pick which people they think we should 'help'. Makes them see just how hard some other people live as well...
My 'lender page' link is below. You can see what loans i have made, the ones that are fully repaid, ones that are being paid back etc.
http://www.kiva.org/lender/renae27157664
In case people dont really think you get your money back, you do. You can withdraw it, or re-lend.