Hey. I'm Craig. Having been lucky enough to do some volunteer work overseas in a few countries I have seen what a massive difference microloans make. Every loan not only impacts an individual, but their family and community too. At the risk of sounding like an advertorial, I just think Kiva is such a clever initiative.
I once asked a very wise old philanthropist in Sri Lanka, an ex high school teacher who ended up heading a NGO with asssitance in over 10,000 villages, "But there are so many problems in the world. What can one individual do?"
He said, "Something. Anything."