Well assuming what you just said, is true, of course giving out loans is risky. It's like you gamble with your money in order to get 1 or 2% on top of it either in short or long terms and with the tendency of losing your money in case the guy who got the loan, doesn't return it. You could by some mining equipment's and contribute to the network as well and see the long term profit if you could manage and balance everything well.
It is true that loans are pretty risky to take because you have to keep in mind that you have to pay it back. If you are sure that you are able to pay it back and thought of everything then you should be fine.