
My mother is very charitable. She always gives money to peddlers on the subway. Everyday.
When I ask her, "How do you know they aren't using it for drugs or something other than food?"
Her answer, "If you are really that concerned about that, then go ahead and buy them a sandwich. Me? I want to give them money and pray that they do the right thing."
But alas, I still felt uncomfortable being charitable. Until NOW. You see, with KIVA, its not a charity. With KIVA, I'm not giving money. I'm lending money. It's a loan to help out a family who needs it. For example...
I made a loan to Maria De Jesus from El Salvador:
Maria is seeking a loan to buy two mild cows so she can make cheese to sell in the surrounding areas. In this way she would generate income for her family. In the future she

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