I choose my loans based on whether the borrower has the capacity to sustain them and grow (rather than someone perhaps needing it to repair a house) and the length of it takes them to pay it back (I choose 6 months but have lent for longer periods). I lend $25 to each borrower so that if they default, it's only $25. So far, I am happy to say that all my borrowers have been repaying on time but there is a small risk that they may not.
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|Sunrise (taken by me on Mt Haleakala) makes me think anything is possible|