The latest entry in the e-philanthropy category is Kiva.org, a unique site that connects small businesses around the world with independent lenders. This means that any average joe can send a microloan to someone in a developing country using PayPal. By bypassing banks and organized charities, Kiva.org avoids administrative costs and red tape. Loans are paid back within a year, and donators get regular updates on the progress of the recipient’s business. You don’t need deep pockets to make a big difference: donations start at just $25.