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Overclock.net Micro-Loans - Page 3

post #21 of 24
1/22/10 at 10:54am
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Great idea.
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OC Budget smackdown
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post #22 of 24
1/22/10 at 11:32am
  • StormX2
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Quote:
Originally Posted by IEATFISH View Post
Yeah, you are essentially donating money to someone and a perk is you most likely will get it all back. For example, Mohamed, the guy I donated my first $25 to (http://www.kiva.org/app.php?page=bus...=160746&_te=ty) is now in the process of repaying his loan.

When one of these people wants a loan, they go to a Field Partner who is detailed on the right. You can look there to see how good they are with the donating. The Field Partner for Mohamed has a 10% profitability so I have a good change of getting $27.50 back on my $25 loan.

If you scroll down to the bottom of Mohamed's page, you'll see the repayment terms, 14 months. He has already payed his first month and actually payed more than he had to.

So yeah, if you pick who you loan your money to wisely, you have almost an assured return on your money. Picking a good field partner will also help if your loan-ee fails to pay it back since they (the Field Partner) will be doing well on other loans to cover the loss. Even if you don't get the full amount back you've helped someone, if only for a short time, have a better life.
nice, I agree with this being a ncie idea and feeling safe atleast in the way that yes, it is like a donation (tax deductable??) but more likely just a loan with no interest unless specified

Gotcha, I do like this idea

I am going to make an account and asked me to provide someone email address as a reference - who shall I use =?
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Nameless Traitor
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post #23 of 24
1/22/10 at 11:52am
  • CyberDruid
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Thanks Admin
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post #24 of 24
1/22/10 at 1:27pm
I've decided I'm going to loan at least 25 dollars every paycheck.
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