http://www.kiva.org
If you are not part of this growing effort in Micro-Finance...you should be.
This is direct financial help to someone in need of a small loan to make their life better. You pick who you want to loan to. You read their stories and you decide who is worthy of your loan.
Again, this is not a gift of cash....it's a loan. There are no middle men, only the organizations which deliver, monitor and recapture your small investment with interest.
KIVA supports over a 98% payback rate which is an incredibly good rate. Most US Banks can't say anything close to that.
Just do it...someday God will add this to your ledger of good things you have done.
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