I haven't talked about the whole "helping others" theme of my blog lately so here are two sites you visit to give or lend money to others. These sites aren't part of the true spirit of giving because both of these sites allow you the possibility of getting your money back but they do provide loans to people who might not otherwise get any. Also, you can sign up for a loan yourself from people just like you...
Both of these allow you to contribute as much or as little as you like and help people with different objectives and goals. At both sites a group of users contribute to a pool until the amount requested is met. This allows you to contribute to multiple people and limit your risk as well.
The first site is Kiva.org Here you can view third-world country entrepreneurs in need of some working capitol. Now giving is purely about helping others but here you actually lend people the money they need to build, continue or start their business. The key word there is lend. That is they are just like any other business people in that they obtain a loan with the intent on returning the money. It is interest free but a great way to help someone with their goals and more importantly help build communities and commerce in emerging countries. Go to the site and review all the business owners when someone stands out contribute some money to the "pool."
Now at Prosper.com it's a little different, here you lend money again in pool fashion or the entire amount with the intent to recoup your capitol plus interest. Credit ratings are available for each member. You can also request a loan yourself.
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