How I experimented with microcredit on WebMoney

Two years ago I made a microcredit service krotKred.ru in a couple of hours (it is not working now) .
Launched not for profit, but for statistics. There were seven such services alive at that time.
Naturally, it was implemented using WebMoney, because only they provide such a large selection of ways to verify the borrower and they have so-called debt wallets.


Maximum loan amount: $ 5.
Loan term: up to 5 days.
Rate: 10% of the amount.
Potential borrower: those who urgently need money to pay for hosting, domain, etc.
Requirements for the borrower:
1. The certificate is personal or higher.
2. Lack of outstanding loans.
3. Lack of claims in arbitration.

35 credits were issued (i.e. $ 175)
It turns out that the income: $ 17.5
2 people did not return: -11 $.
Profit, minus WebMoney commission [0.8%) = about $ 4.
The work period is about a month.
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Conclusion: Internet lending is pretty high-risk.
This applies not only to microcredit, but also large loans through the exchange credit.wmmoney.ru
Let's say you issued 10 credits on the stock exchange at $ 100 per month at 10%.
That is $ 1000 with a return of $ 1089 [service commission deducted].
Standard situation. Standard percentage. Standard term.
1 did not return - and you are already in the red at $ 10!

PS Write me a post that made me the most amazing case: today, after a full two years, one of those two microloans was returned to me [$ 5.5]!