In addition to what he has said, if we look closely at it, he received the back payment of the loan on December 5, and his negative feedback is from December 9, so now it is better understood. Anyway, giving a loan to someone who already has previous negative feedback (even if it is not about defaulting loans) and does not participate in a signature campaign (even if he has a job outside the forum) is a risky activity. It even seems to me an act of faith. Although if the two people agree, that's up to them. I also think that other loans that are given in that section are high risk, including some that you give, and many of them do not end up defaulted.