Trust based loans.
-Don't bother posting if your trust is questionable.
-Collateral is optional and so is escrow.
-Terms of loan will be determine on a case by case basis.
If you don't take collateral nor do you wish to use escrow here if you going to give out loans unless you know trusted individuals here, I wouldn't lend out your bitcoins. My personally opinion so you don't lose your bitcoins.