I like that. I've given much to UNICEF before, and used to volunteer at a local Intercultural centre (also partially funded by the United Way) that help new Canadians integrate into their local community. From my experience with the Intercultural Centre, to my knowledge at least, we never gave anyone money, We woud give free courses of various kinds, help people make new contacts and build new friend networks, etc., teach them how to write resumes, and interview skills, etc.
As for UNICEF, in Canada of course, it's mainly aobut collecting money for them. But to my understanding, again it's not about giving them money, but rather education, health care, food, clothing, etc. directly.
As for HFH, I know less about it, but have heard much about it none-the-less. Scouts likewise help kids develop but again, to the best of my knowledge, don't just give the money, but give development instead. They're all much more hands-on.
It seems though that while charitable organizations focus more on helping, government ones just throw money at them. That's why I think more of our taxes should be charity-deductible, since charities know more about how to really help than government does. I'm sure they could give a much bigger bang for the buck than government could. And that includes Habitat For Humanity, UNICEF, United Way, etc.