I made my first loan at kiva.org today! I am so excited to begin what I hope is the first of many.
The fantastic thing about this is that it is not a charity. It's a small amount to pay but makes a huge difference to the borrower. Once the loan is repaid you can re-loan to a new borrower. And the cycle goes.
i dare you to check it out and not be compelled to join: http://www.kiva.org/app.php