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@deleted
There have always been members of the community willing to lend uncreditworthy individuals money at competitive rates of interest.
Only two working legs needed as collateral.
By 'community' I think you really just mean 'not for profit'
Societies that restrict its members from taking advantage of each other through usury seem to be more successful.
But then why not ban it altogether?
http://www.bbc.co.uk/religion/0/23448808