Most of us here are fairly forward thinking people and the majority of us here donate either time or resources in some way shape or form. I've recently come across an organisation called www.kiva.org who through the use of micro loans of as little as $25 provide people the opportunity to progress in life and help make the world a better place to live. On their website you can form groups which you can attribute your donations to so I thought I'd see if forming a TiB group was something people would be interested in. Repayments of loans are at 96.8% and you can pick and choose who or what it is you want your loan to go to. Focus: Are people interested in joining up? What are some of the ways in which you try to make the world a better place to live in? Alt Focus: What charity or gimmick did you get sucked into as a kid that you look back on as an adult as ineffective?