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.
When choosing where to invest bitcoins at interest, not solely on the Internet. To date, there are hundreds of exchangers that offer exchange services and withdraw crypto currency, every miner knows about such services. The future path of investment for the owner of bitcoins (after exchange) is no different from the possibilities of investment for the average investor. So, the owner of bitcoins can use the funds for further contributions in shares of large foreign companies can use for conducting trading on Forex or other investment projects