For years, writer Bob Harris enjoyed a unique opportunity - traveling to some of the most luxurious hotels in the world on behalf of ForbesTraveler.com. But, as he bounced from one five-star palace to another, he felt uneasy about the inequality of the industry: The people who build these places don't get to see or experience them. He decided he would somehow give back his salary from the decadent escapes he'd had. That's when he discovered Kiva, the San Francisco crowdfunding site that enables individuals to offer $25 loans to entrepreneurs in the developing world. Harris began lending via Kiva.org. Then, some friends joined in, building a community of lenders they called, aptly, Friends of Bob Harris. Over the last three years, they've collectively lent more than $3 million. In 2011, Harris decided to go meet some of the entrepreneurs and write about his travels, microfinance and Kiva's impact. That took him to a dozen countries - Bosnia, Nepal, Cambodia, Kenya and more - and resulted in a book: The International Bank of Bob: Connecting Our Worlds One $25 Loan at a Time. Recently, he spoke with The Chronicle about his travels and what he learned. Q: Did you ask the entrepreneurs point blank about ... what did they think of the lending criteria? A: I did get feedback on what ... changes they wanted. They wanted longer grace periods; a longer length of time between getting the loan and their first payment so that they could think more about long-term investments; they wanted a version of "revolving credit." I never once heard [complaints] about the interest rate.

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