+ I can't imagine that it help the family when they paid the loan back in 28 days.  and I am unsure if a family who is happy to fill the fridge is able to pay a loan in a month back completely.
I may paint the story too dark or be pessimistic for the reason that he claims to target 0.15BTC and lure ppl by telling them that he put 0.085 BTC from his pocket in the bucket.