I discovered 'Kiva' in Share International Magazine ( www.share-international.org ./ ) I think the
concept of Kiva is brilliant. Giving small scale borrowers a chance to borrow at reasonable rates, and giving ordinary people who can lend, the opportunity to to find a borrower themselves, forges links between humans. That's got to be good for all.
I am a literacy tuition specialist, who works one to one with children of all ages, who need specific help in one or more of the component areas of language learning.