so what if i am someone who wants to have a loan (seriously); how do i give a collateral and what is required for people to be willing to lend around 0.01 btc for a month ?
I am considering this as a mean of investing but honestly there is too much scams and i don't know how to look serious
It is very, very foolish to borrow money for an "investment". You have no guarantee that there will even be a bitcoin next year; much less that the value will be higher. The only guarantee is that you will owe money. If you can't afford to buy 0.01btc, then you should be saving your money not risking it on a super risky thing you are calling an "investment".
The most basic rule in all of investing is NEVER put in more than you can completely lose. So if you are borrowing, then you don't even have the money to lose in the first place.