Startup Idea : Peer to peer lending

One of the primary problems for most of the people these days is borrowing money. Borrowing money from bank is a very difficult task for middle class people. There is again a group of people in the same category who possess money but do not know how to multiply it. Here is a solution proposed for both the questions. PEER-TO-PEER LENDING. In this, people can register as either borrowers or lenders. Borrower will request the amount needed and the interested lenders will propose the amount they can bear (in case, they cannot bear the full amount). To control the borrowers, one can have a limit on the amount based on criteria such as 1. Experience, 2. Gratuity fund, 3. Provident fund details,4. Variable Bonus, etc. In case of unexpected event(demise or abscond), one can recover the amount through any of these.Can share more details if anybody interested in designing this among Accenture Group.