If you Google around you will see that the interests rates charged by Kiva (or rather Kiva local partners, the ones actually handling the loans) can be pretty high [1].
But keep in mind that interest rates should always be compared to inflation. Lots of developing countries have inflation >10%.
You also need to compare their rates to what else is available in those markets. The loan terms might be bad but they're better than the other bad options, so at least it's pushing things in the right direction.
But keep in mind that interest rates should always be compared to inflation. Lots of developing countries have inflation >10%.
[1] https://en.wikipedia.org/wiki/Kiva_(organization)#Interest_r...