BTCJam is a total scam and its owners belong in jail.
You cannot come to a conclusion so quickly, dude. See this! syndria is getting repayments from time to time and he'll probably reach ROI if he receives 2 more payments.
I have accounts with both and have funded a loan in btcjam and so far i was getting paid on time, and 2 more to go ill get my roi. Hopefully me
BTCJam isn't actually a scam. The ones who are asking for loans are sometimes turning out to be scammers.