What follows is a guest post by a woman named Heather over in Australia. She is involved in something called microfinance through an organisation called Kiva. Kiva is something I got involved in since one of the Skepticule podcast hosts mentioned it in a discussion on morality following one of my Pearced Off segments.

As you will read, microfinance is way of doing charity through loaning out to worthy causes and then receiving the money back to loan out again. This empowers those borrowing to better their lives off their own backs, and gives them the leg up they often need.