0% loans to businesses that don’t make money!

I feel it is good to expose “do gooder” economic schemes to see how they stand up under the scrutiny of AE principles. Here is one called “beetcoin”:

https://beetcoin.org/how-it-works/

And here is the rationale as to why the loans need to be 0%:

0%, because we recognize that family farms and local food businesses are not typically very profitable, even when successful, even though they generate vital social and ecological benefits.

So what do people think – could this business finance scheme be improved by taking more recourse to AE principles? Also, where does the scheme fall with reference to Marxism, Keynsianism, AE? (if anywhere)