"Justin, Thank you for bringing such an interesting perspective to this conversation. When you talk about wanting to directly help the individual more than the charity, I completely understand. In this world there are too many charities fighting to support the same cause, without consolidating or collaborating with fellow organisations. It's a real shame because there is a pool of talent that can be put to better use within a more long term environment where charitable work is more sustainable. I completely understand your point about wanting to ensure that people you help don't expect to be supported forever. What I find interesting when I look at the micro-finance model of Kiva is that through their platform, they are financially supporting individuals to set up business, but setting firm boundaries about expectancy for repayment of the loan. We need to see more charitable causes adopting a return on investment mindset, rather than continually looking for more and more money from..." - Josh Chandler