Want to help a dairy farmer in Kenya buy a cow? A shopkeeper in Ecuador expand her business? Go to Kiva.org!
This organization works with financial institutions around the world giving micro loans to small businesses. You can give through Paypal (at no charge!) or your credit card in small or large increments, in most cases you get the money back which you can then re-invest in other businesses.
Go create some real change in people's lives this Christmas!