Poloniex lending

[Murloc]

Can anyone give me a better explanation of how works lending on polo? I have read their tos but couldn't fund much usefull information exapt the fact that there is a risk of not getting oyur money back. How can I manage my risks when I can't even check the history of a person that requesting for a loan?
Sometimes soneone is puting a demand on 2% loan while there are a lot offers on 0,008%. What is the point?
Can I give a loan on a half of the requested amount?