In the first year and-a-half of the formation of our micro-lending group, we made micro-loans to 33 people in 17 different nations around the world, totaling $4,200.00. There have been no defaults. These loans give people a new start on life and can truly change lives.  Our micro-lending group meets about four times a year, has a meal together and then makes loans to people around the world through Kiva ( We are world missionaries right here in St. Paul, Minnesota!