Kiva.org allows you to make micro-loans to people in need. This is a great example of how the social web can organize groups seeking a common goal. It is pretty awesome when you can easily make a small loan of $25 with a group of random people to help someone start or expand their business. If you haven't tried it yet I encourage you to check it out. When I started using the site I wondered why something like this was not available to people in the US. Well now it is possible through Kiva. This service is a win-win for all involved and I see this service growing dramatically over the next two years.