Well researched.
If I am assured that it is a fair deal toward the people in need, and my 25$ seriously can help someone start a business... there is no doubt about giving. However, I am always very doubtful about organisations like this and the research is essential before making a commitment. I believe each of us should give straight to the person one wants to help because the figures usually show that "organisations" keep the vast amount of money to themselves for salaries and expenses. The ones who really need help get very low % of the given money. Kiva.org without your research appeared as a good place for helping. Now it doesn't.