Hi Geronimo, At the OpenIDEO Meetup in Sydney, we really liked your idea, and choose to dedicate our event to help refine your idea. We came up with 2 'personas' - the 'GIVER' (someone who saves money to give a lean) and the 'RECEIVER'(the person in the local community receiving the loan), and a User Journey / low fidelity Experience Map for both (based on the OpenIDEO method: https://d3gxp3iknbs7bs.cloudfront.net/attachments/5c28e26a-ba7f-44f4-859b-e82658264287.pdf). It could be a good idea to make another Experience Map for the 'service provider' with regard to how the microloans are distributed / assigned / repaid / etc.
We think it would be interesting to see if there's local initiatives to partner with, who could help with providing the service. A financial institution comes to mind first, but in Sydney there's also a hamburger franchise called 'Grill'd' who support local projects from tip jars in their restaurants : https://www.grilld.com.au/localmatters/
Let me know if this is useful at all, or if you have any questions! Look forward to see your idea get to the next level! Eva