My late-husband and I use to lend money through a program called KIVA - a micro loan initiative. It was great. A small investment of 25 dollars is loaned to someone in a country where a roadside business of snacks or a small farm can actually be started for merely a few hundred dollars. The person you loan to pays you back and you loan the same 25 again. Beautiful concept and you never have to invest more than 25 unless you want to.
One day I decided I wanted to sponsor another woman in Rowanda. The program was new to her and she misunderstood. She was unaware that the money loaned to her could be paid back in increments so she waited for a year or more to repay everyone who'd loaned to her. I thought that was sweet. And honest even if misunderstood.
Next I decided to loan 25 to a woman in Nicaragua. She never repaid her loan to anyone who funded her snack business. We each received a letter explaining that she felt it would be rude to repay money given freely. It was no joke. It was a cultural thing. Someone with KIVA actually backed it up. He stated this is why people don't loan to Nicaraguan recipients much more than once. I believe the woman. The loss is we could have loaned that 25 to someone else in need but I believe her.
This experience ended our loaning-efforts. After this, when my husband and I gave money to someone, we simply gave it, if we could afford to with no expectation of repayment and never more than we could afford. Made out lives less complicated.
I wish I could still afford to do this but since my husband died, I am in no position to do so. Still, I don't regret giving when I could. And I never lament the money not being returned. A lesson I learned from a woman in Nicaragua.