Ideally you can lend to anyone who posts a loan request. However, to ensure you do not lose your money, you should consider lending to people who have verified identities and insurance cover
. The cover ensures that Socin can compensate you in case the borrower fails to honor your loan agreement.
You can also choose local lending. With this option, you lend to people situated close to you. With this option, the borrower can sign a legal document that you can take to court in case the borrower does not repay. The borrower can also provide collateral that you can hold on to until the loan is fully repaid.