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"Distribute" or "Invest"?

Well, Zidisha appears to mix those two.

Lenders are encouraged to charge an interest rate they find acceptable, but the average interest rate is lower than the default rate... so that means lenders (as a whole) are losing money! This would not be a particularly good investment, but it may be an excellent way to do donations.

- the lenders who select more reliable recipients and those who charge more will make more income, so I am sure many lenders are actually making a profit even if the sum total of the loans by Zidisha is not.

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