Actually reason why people loan is because they want to start business. Once you loan, of course you'll be paying how much you have loan plus the interest. If the business you made from loaning becomes a hit, you're sure to earn. If it doesn't, here comes the deficit part. Before loaning make sure the business ideas that you have in mind will make profit.
Now, why I am loaning is because I do not have much money to start anything, or add something in my business. Loaning helped to build my foundation in business. Yup, I am paying what I loan, but it takes a year or so to completely pay what you loaned. And within that time, I got profit more than just what I loaned.
Hope this helps.