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Kiva microcredit vouchers r t perfect Christmas gift to clients for the 12th time this year. Like with my work on #opendata, it only creates value if you give it away again. You can join Kiva too https://www.kiva.org/invitedby/tonzijlstra
@ton I've been lending via Kiva for many years. Not sure how many loans I've made - it's a lot.