Giving to charities is good. Wondering how your money is being used is bad. That's one reason why microlending sites like Kiva
, which allow you to donate directly to individuals, have become so popular in the last few years. "Kiva works with microfinance institutions on five continents to provide loans to people without access to traditional banking systems," reads the non-profit organization's official site. Those loans, which can be for as little as $25, help entrepreneurs across the globe begin sustainable businesses, from bookstores to small farms. With a 98.7 percent repay rate and more than 500,000 people funded in 60 different countries, Kiva is a wonderful way to make a difference.