Last night, after taking in the view (photos courtesy of my husband) & feeling like the luckiest person alive I made a new Kiva loan.  I was looking at the loan credits in my account & this applicant popped up.  What more could they ask – it’s a man, raising money for his daughter’s education & she is going to become a Midwife – I was meant to make this loan – my only regret is that I didn’t have more money to lend.  I topped up what I had been repaid & loaned the $25.  If you have a spare $25 go and make someone’s day by making a Kiva loan – such a small gift to give at Christmas!