The only charity that really satisfies me is to give directly to people I know who really need the money/whatever else I'm giving them, who I know will use it wisely.
If I know the people, I will directly see what effect the gift is having, so I won't have to just blindly trust the gift is doing some good. If only gifts like that were tax deductible. (Yet another reason for me to despise taxes. If donors can only get a tax deduction by giving to a non-profit organization, It discourages direct generosity to people who need it).
Anyhow, though, if I were really forced to choose an organization to give to, it would definitely not be Kiva. (Here's
my explanation of why). Instead, it would be an organization that gives gifts rather than loans.
I second Angela on the idea of WorldVision. I know hardly anything about them, but the following web page by them appeals to me:
https://gifts.worldvision.ca/Gifts/Forms/Home.aspx
I noticed this link in a comment in the refreshingly balanced review/comment page about Kiva that Doku posted.
Best wishes,
Apollia