Thank you for the tip! I've been hearing about Kiva for a couple of years but never signed up. Your post convinced me and I just lent $100 to a group in Uganda selling shoes.<p>I think I'll give $25 gift cards to the whole family, Kiva is really awesome!
I've been using Kiva for around 2 years now and my loans have always been paid back. This Christmas, I'm going to try to give Kiva credit as a gift and see what the response is.