Non-profits have a right to allow supporters to use a specific contribution and designate it for a certain program of that particular organization. I've run a non-profit since the late 80s, took a class to learn the bookork and rules, and it is legit, as long as the cause you are donating to is not a PERSONAL gift of any kind to another person or organization (unless that organization or program is part of the main non-profit, and is not a "sale" or a purpose "outside the bun." ) See my other article nearby on NON-PROFITS.
In that case, you should just give the individual in need money out of your own pocket. Unless they are part of the specific organization (i.e., board members) who find themselves in an emergency, and the bylaws allow it.
(More in another article and on my site in a couple of days at freeminds2.org).
Randy Watters