Incidentally, Scribd started out as a way to disrupt academic publishing. To do it they wrote a lot of stuff for handling PDFs, and as often happens in startups that became the tail that wagged the dog.
Looks pretty cool. Having lived in Africa for a bit I like this idea (and hope they can get around certain issues). Just created an account and completed a loan request by one of the borrowers (might be the first 0% loan I have ever given outside of my family) :)
