John and I have been micro loaning through Kiva for several years now thanks to a Christmas gift from Nathan & Lana Miller. All it takes is $25, though you could surely do more. You can the individual that you would like to loan to via the Kiva website.
What a great birthday gift idea for those little ones who have everything, and Christmas is closer than we know. :)
Haven't yet read this book One Hen - How One Small Loan Made a Big Difference, but am definitly going to be checking it out!