Looking for a way to help the working poor this Christmas? Give microfinance a look. I'm partial to a group called Kiva, but there are dozens of similar organizations out there doing good work in third world countries. Let me use Kiva to illustrate how they work.
If you click on the link to Kiva it takes you to their home page. From there you select from hundreds of small entrepreneurs looking for a loan to help start or sustain a business. If you navigate around the site you'll see that you can select borrowers by country, type of business, etc.
You then click on the "Lend $25" button next to the person or group you've selected to receive your loan. That will take you to a page where you give your credit card and billing info.
You're now finished, and you've done something to actually help people help themselves.
The borrower eventually pays back the loan and the money is placed back in your account. You can reclaim it or lend it out again to someone else, adding each time to the principle if you wish. In effect, you become a no-interest bank.
Check it out. It's a wonderful gift to give someone on Christ's birthday.