Instead of helping people who are capable of helping themselves, help the unknown people, who are really struggling hard in their life. You can help a parent who is struggling to pay the fees for his child; You can help someone starving for food in the roadside; You can help someone who needs medical help or any other help that you could actually think of. By lending to the poor, you indirectly contribute to God. So help the needy and you will be rewarded by God in many ways and many forms.