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I haven't used any real microfinance systems like Kiva. I have helped out individuals last year via Modest Needs. They use a microfinance model to help out the distressed, and money never goes directly to the individual but to those who have outstanding debts with that individual. Each case is vetted out and money is sent directly to the bank, hospital, etc.
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I don't care if you are black, white, purple, green, Chinese, Japanese, Korean, hippie, cop, bum, admin, user, English, Irish, French, Catholic, Protestant, Jewish, Buddhist, Muslim, indian, cowboy, tall, short, fat, skinny, emo, punk, mod, rocker, straight, gay, lesbian, jock, nerd, geek, Democrat, Republican, Libertarian, Independent, driver, pedestrian, or bicyclist, either you're an asshole or you're not.
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