I really like Kiva. During the past 6 years I have lended $1300 over 48 loans.
I have made a loss of $10...
I have lended in 16 countries across 15 different sectors.
I have been trying to lend to people with educative projects but there are not so many. Most people in the "education" category just want some money to pay for their tuition fees. There is no business plan whatsoever.
I try as much as possible to lend to people with a positive and entrepreneurial mindset. The best feeling is when your loan gets repaid. It means it was worth it and you actually made a difference!