As part of our focus to spread positivity and help build communities, we've started a Kiva.org Team to allow other users to join us in helping fund projects that make a real different in real people's lives. While charities are important do amazing work, projects funded by Kiva.org are given directly to people who will use the money to better their lives and their communities. The money is loaned out to users and upon repayment can be loaned out again to fun other projects creating a cycle of help and continued improvements compared to a one-time donation to a charity.