The best joke I can come up with for this involves sliced ham so I just decided to skip this one.

                Today in Human Geography we continued our microloans PowerPoint. The next slide we went over was about who receives Kiva loans, and as stated before it’s for anyone who wants to start or kickstart a business. This could range from my main man Maurice’s fruit juice expansion loan to someone overseas who wants to improve their crop growth to someone who wants to make the almost nonexistent schools in their area better (or make one, for that matter). The next slide was about problems with microloans. Providing banking can cost a lot of money, and so can being the company that hands out microloans. Regular bankers might make out one large loan which takes little time to process, while microloaning companies have to process many, many small loans every day, which takes more time and resources, and time is money. Microloans only help solutions, they don’t truly cure them. However, for some poor people who need a lot of money fast but still have sums of money coming in at regular intervals, microloans are great. Loans also come with other benefits such as insurance, legal rep, and with financial planning. Microloans are extremely beneficial to people trying to break the cycle of poverty. Philanthropists play a large part in helping this move along by donating to certain causes so people can do other things with their money. One example is the donation to malaria. Instead of trying to pay medical bills to get a malaria ridden person back to health, Bill Gates put lots of money into getting mosquito nets produced to protect people who live in areas with malaria infected bugs. Bill Gates also donates to stopping malaria through research for a vaccine.