In Worldoo we have to give stars to children (we can choose) and the people will give the money. We can give stars in the Gift A Tara.
In Milaap, we have credits and we can choose who we want to lend. Then we have to enter the amount we want to pay, and give a loan. Interestingly, after an year or two, we get the credits back!
I think both of them are useful because they help people have a better life.