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For true microlending you'd have to physically be there, so anything that is a good compromise between bureaucracy and actual money in the hands of the people who use it is good. I heard Bill Clinton speak about Kiva. The most interesting thing (I thought) about what he said is the women recipients never default. The men.... not so much. I still haven't gotten into Kiva, but I think I will because it seems like a fantastic program, even if there are lost administrative costs.
I think you've motivated me! If I can get my work done today I think I'll head there and do some research.
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