If you're not familiar with Kiva, here's a quick video about how it works. In short, you loan money to people (e.g. to help them start or grow their business) and they pay that money back, which you can then withdraw back into your bank account, or re-loan to other people in need, then the cycle continues. I highly recommend you check it out by visiting this link: http://www.kiva.org/invitedby/platinumapps/for/783938