Kiva
I just made a loan to a lovely couple in Cambodia
http://www.kiva.org/lend/174864
100% of the money you loan goes to the people you choose to loan to. It is cool. I always pick people in Cambodia who ask for loans through World Vision. I love Cambodia and World Vision is very reputable. I think they have one of the best pay-back rates of Kivas microlenders too.
This family is cool. Mom is a sugar cane farmer and dad makes pots.
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