Kiva lets you loan money (200, 500$) to a specific entrepreneur in a developing country with a specific plan. 100% of the loan goes to the entrepreneur.
As for, "will I get my money back?":
"Your Kiva.org loan is a low-risk loan. Microfinance loans
worldwide are generating repayment rates of 97%.
To date, Kiva.org’s repayment rate is 100%."
# Apr 22, 2007