To honor the death of a best friend’s father, I did as she asked, made a Kiva loan.  After looking through dozens of potential individuals and groups, I loaned 100 dollars to a group of women in the Democratic Republic of Congo to help fund their poultry raising operation.  Even though it has been less than six months, they have paid back more than half, paid on time regularly.

Some loan opportunities require even less money.  People often think their efforts don’t count, they are too small to make a difference.  Everything each person does makes a difference for better or worse.  Make a difference, act, speak out, contribute however you can to make our world a better place for all of us.