It would create a moral hazard: people would be more willing to take high risk loans if they can expect to pass this risk to your charity.
Some related memetic hazard here:
Gnxvat nf zhpu qrog nf cbffvoyr, qbangvat vg gb gur zbfg rssvpvrag punevgl be gb gur sevraqyl nv erfrnepu, gura cnffvat gur qrog gb gur punevgl, naq gura ntnva gnxvat nf zhpu qrog nf cbffvoyr naq qbangvat vg… pbhyq or frra ol fbzr yrffjebat ernqref nf gur orfg jnl gb perngr zbfg hgvybaf.
Va cevapvcyr lrf, ohg V qbhog gung gurer vf npghnyyl nalbar jub vf nyernql bcrengvat haqre gur guerng bs gur “zrzrgvp unmneq-yvfx”. Gung jbhyq vzcyl gung gurl ner nyernql yvivat arne fhofvfgrapr yriry naq qbangvat zbfg bs gurve qvfcbfnoyr vapbzr gb n pregnva betnavmngvba (juvpu vf, vebavpnyyl, rknpgyl jung n pregnva crefba erpbzzraqrq )
It would create a moral hazard: people would be more willing to take high risk loans if they can expect to pass this risk to your charity.
Some related memetic hazard here:
Gnxvat nf zhpu qrog nf cbffvoyr, qbangvat vg gb gur zbfg rssvpvrag punevgl be gb gur sevraqyl nv erfrnepu, gura cnffvat gur qrog gb gur punevgl, naq gura ntnva gnxvat nf zhpu qrog nf cbffvoyr naq qbangvat vg… pbhyq or frra ol fbzr yrffjebat ernqref nf gur orfg jnl gb perngr zbfg hgvybaf.
Va cevapvcyr lrf, ohg V qbhog gung gurer vf npghnyyl nalbar jub vf nyernql bcrengvat haqre gur guerng bs gur “zrzrgvp unmneq-yvfx”. Gung jbhyq vzcyl gung gurl ner nyernql yvivat arne fhofvfgrapr yriry naq qbangvat zbfg bs gurve qvfcbfnoyr vapbzr gb n pregnva betnavmngvba (juvpu vf, vebavpnyyl, rknpgyl jung n pregnva crefba erpbzzraqrq )