Word: paguirigan
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...might sound like a setup for another subprime-mortgage debacle. But so far, Lending Club's default rate is less than 0.5%. That's partly because P2P members are motivated to pay back or lend to an actual person rather than a big bank. Since May 2006, Marilyn Paguirigan of Honolulu has lent a total of $30,000 to more than 100 people on Prosper, most of whom she has never met. "I measure my returns in not just the dollar amount," says Paguirigan, who happily makes 6% to 7% on her loans. "It's in the fulfillment...
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