I lent $50 to a shoe salesman in Mexico. Leobardo Camacho will use the money to buy more merchandise and will pay it back in 12 to 18 months. After which I may lend it to someone in Kenya or Somoa.
The organization Kiva has partnered with local lenders in this case and several other countries to make these loans. Kiva charges (and pays) no interest and has a 100% repayment rate.
Do you have any PayPal money lying around collecting dust and benefiting nobody but PayPal? Then try lending some of it to someone who can use it. It takes minutes to set up.