If you're interested in loaning rather than giving Kiva might be a good choice for you. Basically they do micro loans directly to people that need it to scale

If you're interested in loaning rather than giving Kiva might be a good choice for you. Basically they do micro loans directly to people that need it to scale small businesses. IE buy a second cow and sell the milk. They've been very successful. Here's a telling sentence from their wikipedia entry: "As of March 4, 2013, Kiva has distributed $408,326,900 in loans from 896,353 lenders. A total of 532,492 loans have been funded through Kiva. The average loan size is $402.64. Kiva's current repayment rate for all its partners is 98.98%."