Hello
I am happy (or not) the possessor of 0.03 btc (so what? We're not all rich)
you should be happy to possess any bitcoin at all. because bitcoin has lots of potential and even if you just keep this amount you will be happy about holding it in a couple of years.
and I want to do the work quickly
do that and you will lose all your money and then some more.
I went to see on poloniex but the loan rate is too low to hope to multiply a small amount
i don't like lending myself either. it is a too risky business for me to get into. but if you ant to lend you may have a better time doing it on the forum but you should know what valid collateral is and use an escrow.
and I'm afraid of trading because I do not want to lose everything.
then start small.
try to search and read what trading is, and learn some technical analysis that is always helpful.
Also I looked at the mining sites but its no longer pertains.
don't even look at cloudmining sites, they are either scam already or a scam waiting to happen.