I imagine the underlying issue with donations in general is the dilution of funds by the administering body. Most countries have a tax discount/rebate structure for qualifying donations - so this is a good start - money that isn't being siphoned off in tax can add to the amount going to the donor cause. Win!
I think the concern that the majority of donors have is the trade-off between managing it themselves (which is really complicated when it comes to managing the disbursement of funds in faraway countries) and knowing exactly where the money ended up. Or alternatively handing it over to a 'legitimate' donor foundation, who also makes it easy for the donor because they are registered donor foundations/NPOs and supply the paperwork so the donor can get tax benefits and so on.
But there are seldom free lunches and those donor bodies have their own running costs and sometimes lavish salaries and offices and advertising and and and. Those costs are covered out of the donor contributions. I'm not saying they don't do good work. But the value provided I have found questionable on occasions.
So the punchline for me anyway is how many cents on each $ make it through the intended recipient?
I tend to agree with the suggestion that direct contributions in assisting with sorely needed equipment or training probably offers the most value. But it may not come with the tax benefits that going through a formal donation channel would give. What is more important to the donor involved?
Of course if the donation is a bequest, then the administration of the disbursement is further complicated and makes a donor organisation that much more appealing.
If I remember correctly the minimum required is 20% (or maybe 10%) of the donation to be used for the purpose it is intended.
ie a donor donates $1 to a charity organization say for food relief efforts. Legally the charity has to only use 20¢ Of that dollar for purchasing food items.
Do the math: a donor donates $10,000.00 to any charity, that "charity" organization to be legal/lawful must spend the minimum of $2,000.00 for the donation's intended purpose, the remaining $8,000.00 can legally/lawfully go into the "charity's" [or trustee's] pocket/bank account.
It's all about numbers like in the insurance, pharmaceutical ("Big" Pharma), USPCA, PETA, etc, and sadly the NRA and religious/ "religious" organizations.
Am I cynical and condensation when it comes to donating/ contributing to a worthy/"worthy" cause(?); Hell Yes!!! Everyone Should Be!!!; Nowadays!!! [and it is a shame it should and has to be!]
I only give directly to those whom I strongly believe will actually use my donation for its intended purpose.
Are there reliable, responsible, honest, trustworthy charities and other organizations and people who/whom deserve assistance? Yes! And I do Occasionally contribute to them. Meaning not monthly, or monthly via bank/checking account or credit card account.
It's just when anyone decides to donate money or anything to any charity; take a lot of time to thoroughly investigate the organization before donating to them.