If a person is in great need, we recommend a gift rather than a loan. And if the goal is long-term financial development, you can find other ways to help people build wealth besides loans, including financial education and Individual Development Accounts, which are matched savings programs for low-income people.7 5. How often and how much will we consider giving to people in various categories? How many times per year will you be willing to give assistance to the same individual or family? Is there