You should be aware before putting money into Zidisha that current non-repayment on Zidisha is ca 30%, and that to break even when lending on Zidisha you need to charge flat interest rate to 32% break-even.

Zidisha is also giving huge credit bonuses to borrowers who invites new borroers, this also gives a danger of increasing default rate.

So I advice not to put more into Zidisha than you are prepared to loose.