I would only give a loan to a person I know personally.
Everything else must be considered as gambling. I do not do that.
It's pretty obious that loans are too risky and it's always depends on the companies you are going to give some loans but if you are going to give a loan to person you know personally then it is a good thing but sometimes that person always took year's before he will pay you.
Sometimes the person that you know personally is having some instant amnesia and totally forgets the money he loaned from you.
So don't easily trust people when it comes to money, because money can just easily change the attitude of a person.
Trust me, because it already did to me, with my friends.