Forget about Ning, the future is Kiva: coordination economies, microchunking into new domains (in this case, capital formation), and disrupting markets and regulatory structures in the process. Seriously, unspeakably, awesome.
not very interesting at first glance. the idea is good and wholesome, but the flavor isn't tasty. I imagine it could be made more appealing and fun, but I don't have any concrete ideas. More transparency to the loan recipient experience subsequent to loan might make it more rewarding.