No rush whatsoever but please do
I have looked at my Kiva Loan history. I have made about 40 loans, and about three of those have defaulted, or not been repaid. There were some currency losses, but I have not counted those. It is inevitable that some countries are going to have volatile currency exchange rates.
The minimum amount to lend is $25, and they ask for a donation of about $4 for their admin costs, and overseas staff costs. I have not loaned 40 times $25, as when loans are repaid, I choose another loan. I can read the Field Updates for the borrowers.
If you register with Kiva, you do not get inundated with emails. You get notified when you receive repayments. The website is very informative, and you can choose the sort of categories you would like to support. For instance shelter (housing), education, and health. You can also choose a country, or Underbanked areas, conflict zones areas, and crisis support loans.
I would suggest you have a look at the website, they can explain the process much better. I hope you find it interesting.