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FYI, I think the most well-known site to get involved with this is
http://www.kiva.org .
Also, Kiva was featured earlier this year on an episode of PBS Frontline World called
Uganda: A little goes a long way.
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I believe that if this was a money making machine, big business would have their hand in the cookie jar.
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You're saying if this idea made money people who wanted to make money would be involved in it? Insightful stuff.