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How much do you need to know about a personbefore you'd feel comfortable making a loan?Suppose you wanted to lend 1,000 dollarsto the person sitting two rows behind you.What would you need to know about that personbefore you'd feel comfortable?My mom came to the US from India in her late thirties.She's a doctor in Brooklyn,and she often lets friends and neighbors come to see her for health services,whether they can pay right away or not.I remember running into her patients with her at the grocery storeor on the sidewalk,and sometimes they would come and pay her right on the spotfor previous appointments.She would thank them,and ask them about their families and their health.She gave them credit because she trusted them.Most of us are like my mom.We would give credit to someone we knowor that we live next to.But most of us are probably not going to lend to a strangerunless we know a little something about them.Banks, credit card companies and other financial inst

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