Sorry to say this, that he is not worthy to be borrowed money. He still do not have the kind of activeness and merits that supposed to let you borrow him money. Try to do more research before borrowing people money.
You are right but while there is about 40$ earned per week who cares about 100$ loan? And that's the mistake of me. I rely on the signature campaign though there is no warranty/guaranty on how long the campaign will remain active. Also, you know higher-ranked profiles can be banned so it might be a loss too. We have to take this type of loan as we have no alternative to knowing who is legit or not.