It is an awesome bank in steem blockchain and a loan to steemit user can enhance its potential in a better way, because of the following reasons :-
(1) The steemit user may consider this platform as a work place to earn and pay those loan amount.
(2) It will bring more seriousness to his/her steem life.
(3) A loan may otherwise prove to make a steemian more active than earlier.
(4) More active users means more healthy community.
(5) Here the collateral which is a steem account is a organic collateral not dead one, because everyone make use of steem account on daily basis to earn steem.
(6) This kind of loan and neoxian bank is helping in making more one-one and one-many relationship in this community.