We have started a lending team with the purpose of lending money to enterprising people in their countries: Footprints in the Sand Here’s the background: It’s Saturday morning, you’ve parked your car and you’re walking to the shops.  You notice an elderly person rattling a tin for a well-known charity and you feel you should give them something.  A pound, a couple of pounds, maybe even more because you know someone who died from that particular disease, or just in case you catch it yourself.  Whatever you give it makes you feel better that you helped…..somehow. Have you ever thought where that money really goes? Would it surprise you to know that much of it goes in administration expenses, even 5-star hotels and first class airfa...