http://en.wikipedia.org/wiki/Microfinance
never heard of this before, but i absolutely love the idea and i'm going to look into it right away. the loan part is cool for getting more people into it i guess, but i don't see why there should be any juice on it. this is so much cooler than other types of donations to me. the loan thing could make a cool surprise opportunity for people to expect to pay it back and then decline them when they try though.