Imagine a person earning $50 weekly come and asks for a loan of $500 from a lender, because to me, no matter how active such person may have been on this forum, such loan should not be granted, as it is a complete red flag. As the only loan that should be given to people is an amount which his/her Full signature campaign payment could be able to able to pay between 1 or 2 months, because normally nobody will want to be giving out his full weekly payment, and as such if then happens to pay half, then it will be able to take him 2 to 4 months to complete his loan payment.
Most at times this loans defaulters especially the high amount defaulters do not depend on the signature earnings to pay back and This goes same way as members earning $100 weekly and asking for a $1k dollar loan. This rule would affect them but they lenders sometimes give out this loans to people still because they check their account activity and the trust they have kept in past trades. Even if this is implemented people that want abscond without paying would still carve a way to do it.
However, What have you to add to this, as your opinion will be very important to those that have been lending loans here on this forum. (e.g Shasan, DarkStar, Condoras).
I will just quote the criteria’s I once read from Shasan himself, which are the opinions I agree with. Any new criteria just carry same risk as this ones. The only way would have been a collateral loan but that isn’t achievable due to the forum and location
Before accepting a loan I see a few things about them:
#Trust
# recent merit
# recent post
# Signature campaign.