"We are a non-profit organization with a mission to connect people through lending to alleviate poverty. Leveraging the internet and a worldwide network of microfinance institutions, Kiva lets individuals lend as little as $25 to help create opportunity around the world."
I am lending money through this website for quiet a while and even if the repayment sometimes take longer, I don't mind, because it is for a good cause and it really seams to work, even if some might say not.
But just inform yourself and make your own opinion :)
