That's overly cynical. Donating to local warlords / psuedogovernment actors can be sketchy. Donating to e.g., UNICEF is much more likely to produce good results for refugees, especially children and mothers.
I'm not aware of where to send money to stop wars - it's likely to have the opposite effect, sadly.
Even donations to organisations such as UNICEF often end up in the wrong hands.
Lets go for the optimistic scenario in which UNICEF will only take a very small portion for the "processing" and really deliver lets say food and medical supplies to the region. Those warloard will simply come and take it away from those citizens and provide to their armies. Theres nothing those citizens can do against it.
Do i wish it would be different? Absolutely. But sadly the world doesn't work as i would wish it to.