There is an interesting book called Lords of Poverty from Graham Hancock. It's from 80s when he used to work as a correspondent for the Economist in Africa. He claims that foreign aid and charities that raise tons of money from Western people for different projects in Africa are a total waste of money. The amount of corruption and waste is so huge that majority of the money people from US or EU donate ends up going d…
No, 70% of foreign aid is not 'stolen off the top' http://www.politifact.com/global-news/statements/2017/jan/17...
How Much Aid is Really Lost to Corruption? https://www.cgdev.org/blog/how-much-aid-really-lost-corrupti...
Where does aid money really go -- and what is it spent on? http://edition.cnn.com/2013/10/09/opinion/where-does-aid-mon...
While there are large issues on the way foreign aid is distributed, including corruption and more recently local NGOs being sidelined, it's nowhere near close to your "perhaps $0.1" estimate of reaching locals. The idea that almost all the assistance is wasted is not only untrue, but harmful.