Kiva is THE online philanthropic lending world leader which has inspired little one around the world like Babyloan.org for example.
Kiva and Babyloan have been working together ever since, with the common goal of reducing poverty through low-cost financial services to microfinance institutions from all around the world.
Pros:The first organization who has popularized microcredit. It's a big social organization which a concrete and measurable social impact.
Cons:When looking at all the goodies, we could think that they want to make money prior to inform about microcredit.