As stated on lending board, IMO "No Collateral, No Loan" is best approach here.
1. Do not give a loan to an account that may have been found to have woken up after a very long time:
2. Do not give a loan to anybody whose wallet address shows he/she has not been receiving inflow of funds for the past 120 days:
3. Do not give a loan amount to anyone whose his/her full 3 months signature campaign payment can not afford to settle such loan:
1. I agree. In addition, there's possibility risk such account is hacked.
2. Most Bitcoiner have habit using one Bitcoin address only for one purpose. And IMO it's poor factor to determine whether someone will repay or not.
3. Why 3 months specifically?