Actually, the Kiva field partners do write the profiles, and a team of 300+ volunteers translate them & edit for typos:

http://www.kiva.org/about/editingprogram

There's a story of one of the Kiva Coordinators who photographs the borrowers and writes their loan descriptions here:

http://fellowsblog.kiva.org/fellowsblog/2013/05/25/connectin...

Of course, when there's lots of loans to process, some of the field partners do have a tendency to just fill-in-the-blank-template.