"Is it moral to send money to poverty stricken nations if you know that the money you send will have no effect on your life?"
Assuming this is addressed to an individual, and stating ahead of time that it is an incoherent question, I will venture a reply to what seems valid in it.
It is moral to spend your own money as it suits you, assuming you are being reasonable in the process. Random acts of benevolence are not bad if they repay the trouble psychologically. It isn't a bad thing to help others, if it fits into your own economy in a way that makes some kind of sense. Realistically, it is highly unlikely that this donation to far-away, unknown, needy people--and especially to such a country's government, (what brought them to such a needy status?)--is sensible and thus acceptable.
The notion that this money will have no effect on your life can be stricken altogether as making any difference to the question. If it repays you to make such a donation in any way, it simply needs to be that what you get out of it is greater in value than what the money otherwise could provide you with, for the donation to be moral.