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The best way to help a needy person is to enable him to fulfill his needs himself in the future. You want to help people become self sufficient and not be dependent on your or other charities forever. So if someone is jobless and you have some money, you can loan it to them so that they can start a small business and pay it back slowly.
BTW, what makes you think the business will only generate profits? What if you hit some losses?
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