If you are looking for last minute gift ideas for the average American who has everything they could possible need and want –
here is a great idea: Kiva.org.
The basic idea is donating a “micro-loan” to people in developing countries who are trying to start a business. You get to shop around for different people and businesses and decide where you want your funds to go. The super cool thing about micro loans as opposed to most general donations is that they encourage financial responsibility. The business owners use the funds to start their business and as soon as they can, the repay the loan to Kiva. At that point, you can either retrieve your loan, OR – you can re-shop for another business to donate to!
All in all, it’s a great way to give directly to someone who needs the funds to become self-sustaining.