It's totally legit. We did some loans a while ago, and helped out women in some pretty poor areas. There was a small flurry of premium membership purchases this week, so it seemed like a good time to help promote cycling in some way on the other side of the world.
Rola, you and your wife should do the same. Coming up with $25 to loan is easy enough, choosing who to give it to, not so easy.
Micro-loans are a genuinely wonderful way to help individuals. I love the idea of enabling someone to provide for themselves rather than just feeding them for today - necessary though that can be in some circumstances. Great way to promote cycling in other nations.