Lending something to a friend depends how much you trust him/her to return it. Lending small amount of money is still alright but a big sum of money, you might be on your guard. If you says "no", the other person may not be happy and it creates problem for the friendship. If the person frequently ask for money, kindly ask him what he does with the money.
If lending money to him always, he might ask for more and more. In the end, he might take it all for granted, and becomes a habit. Lending money to him might not solve anything but instead creates more.
The first consideration is whether you can afford it. If you can't afford to give the money away, you can't afford to lend it. Unless it is for emergency or helping someone. If it involved large amount, writing down in paper would be wiser; which would include the specific date of repayment. This would protect the lender, and make the recipient more comfortable, so as to remind him or her that it is not for charity. Other then that should inerest be charged both parties should come to term on it.
Often, it is the borrowing of funds that leads to the rifts between friendship of relatives and friends. It is adviseable to pay what is borrowed even for a small amount, but if for other reasons the lender just need the money urgently, so the urge to ask for the repayment would be involved. If the lender is lucky he would be paid otherwise arguements or conflicts would arise .
No matter what, you risk the relationship by saying no, but you are taking a big risk by saying yes.
GOODBYE AND HAVE A NICE DAY (:
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