Very interesting. I have no experiences and I heard a lot if critical voices about micro financing to. Looking at the a few requests, I think it would be pretty easy to set up a scam, but I am ultimately a optimistic person and I tend to first believe in the good of people. The amounts requested seem reasonable, surprisingly many are about restocking inventories. Since you can start with a small amount, why not test it and tell us your experiences? On a side note, I never heard of babyloan before.