To be honest, I don't think anyone will be interested in giving me a loan. I figured there would be no harm in asking, though. You have more experience than I do, so if you think I am out of line for making this post, let me know and I will delete it.
There is nothing loss if you ask for a non collateral loan but if you could be active and contribute to the forum then you could take the loan easily even many more than you are asking. Also your offered interest is too much higher. If you take loan from your local people you may save more. Honestly saying there is a high chance the loan will be defaulted if anyone approve the loan. According to me loan default chance is 75%. It is just my imagination.