Interesting approach to small loan finance. When you say "LOANS BETWEEN FRIENDS AND ACQUAINTANCES", do you mean only those we know in real life or let's say friends from a social network group?
Initially we will focus on the loans who know each other, as the second stage we will develop the social groups and people will be able to lend within a social group: colleagues/co-workers, alumni, sport activity group, etc. we will have pro access level, which will enable browsing and lending across social groups.