If you are planning to give out loans to users on this forum, it would be good to check their forum profile and see if they have any bad history of defaulting loans via the trust ratings left on their profile, and always remember to secure a collateral that is higher than the amount you are going to loan out.
I would not advise giving loans using this forum if you are not a trusted member, there is no security that such person can pay so you have
to be more careful and learn to minimize the risk. AFAIK, before you have to collateral you account in order to get granted and some people are just
abusing it as they can easily buy new accounts.