I think BTCJam has already a similar loaning system, you only give out loans based on reputation and requirements, perhaps collateral.
is very difficult for get loan in btcjam, I've done the paypal verification, verification of documents, etc. but I still can not be trusted
Yes because even though they know all info about you, if you were to cheat they cant do anything. I am not saying you are, but if you were to cheat them, even if they report it to the police they cant do anything. In my country the cops dont even talk with you if you were robbed less than 500€, so if a clever thief takes out 499€ loans in bitcoin and doesnt repay, nobody can do anything.
This is why i think they either need an
insurance system or they need a
collateral system with escrow.