Since may issue ngayon about the defaulted loan, I think it's the time to make it more strict and secured. Paano kung taasan na yung requirements for having a loan dito sa local para maiwasan na yung mga ganitong issue?

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Proposed Rules for Lending:

1. Sr. Member and above are allowed to request loan without collateral. But Sr. Members and above should have at least:

• 400 activities above.
• Atleast 20 received merits in our local board. It will serve as;
  
  • Proof of being an active member of the local board

2. Full Member and below should have valid collateral to request a loan.

• Altcoin should be the only valid collateral and listed on CoinMarketCap. To negate this rule:
  • The user should have at least 50 received merits in our local board.
  • Should be active in the local board for almost 2-3 consecutive months.
  • Should have active contact. (Telegram and etc.)
    

Suggestion ko lang 'to, yung iba sa inyo ay baka kumontra because of the stated rules. For me, hindi naman siya gaanong kabigat since kung active ka naman talaga at may contribution ka sa ating local, madali nalang din makakapagloan. We need to make it harder for some people na mahirap pagkatiwalaan kasi tayo rin ang mahihirapan sa huli. After all, money is what we're talking here, madaming nagagawa ang pera.

Yung iba kasi is allowed din makapag loan kahit na walang collateral at wala naman masyadong effort na nagagawa sa community. Kaya masasabi mong may possibilities na pwede nilang i-trash yung account at itakbo yung pera. Again, this is only my suggestion, if against kayo it's okay lang naman, mahirap maging lender kasi araw araw mong iisipin kung kelan magbabayad yung papautangin mo. Madali siyang gawin physically kasi isesend mo lang yung pera pero nakaka-stress siya mentally.