Kiva is a Micro Loans Programme lending to small family-owned or community businesses in the developing world and even the USA.
I set up a Kiva Club, an OurLocality’s Lending Team back in 2010 and managed to get only one other to join. What do they say about the path to good intentions? Anyway when you join Kiva you can join one or more lending teams or just lend as an individual.
Loans are not donations, so you do get your money back – but without interest – to keep or to lend again.
Kiva operates through donations and charges it makes to the financial institutions on the ground that partner with them.