My decision making has been rather impulsive; I've just made three loans so far, although I hope to do more when Rob has a job. I have made the decision to loan exclusively to women, however. I recall reading some research (and I'm hazy on the details) which suggested that microloans to woman has a better return on improving children's lives than microloans to men. This time I chose to loan to a lending group, again, because I hope that a multiplier effect would increase the good I could do.
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Just take the plunge!