Lend MONEY TO OTHER PEOPLE

Bu Broto current confusion. Just before lunch he got a phone call from his brother. What on earth? Simply: his brother wanted to borrow money. The amount may not be called necessary. But for the Bu Broto, including the large amount. Although he indeed have the money, but he does not really faced with the fact that he had to lend money to the relative proximity.

On the one hand, he does not let his brother tega involved in difficulties. But on the other hand, he fears the money will not be back. He was not patient to wait her husband's home office so that it can be told as soon as this confusion. Who knows her husband can provide input.

Have you ever experienced a situation such as that experienced Bu Broto? You were by friends or relatives who are in need a loan of money, but you fear the money will not be back. Do not have denied, that money is a concern that will not go back into the main consideration why you sometimes hesitate to lend money when there who want to borrow money. Yes, right? Is lend money?

If we have enough money, we should have been helping people who are short of money. Because in this life, mutual help is a must. If helping is realized in the form of action is oke-oke saja. But if in the form of money? Wow ... whoa. Lho, kok so?

Can not be denied, the good intention to help our people, we often make their own inconvenience. Turn borrow money, face miserably. Turn billed, susahnya ask forgiveness. Promises would be returned within a month, eh, this week-many also say there is not.

Kesannya and so we should pursue-NGEJAR him. This is what makes many people hesitate often lend money if there are other people who want to borrow money.

I actually only reasonable if a friend or relative comes to you and you want to borrow money. This means that he considers - the financial - you are able to meminjaminya enough money. Do not be angry if your friends or relatives who come to you. If you own the loans are need money, you will come to know the people you first right? And the people most close to you, usually is relative. Even if a friend, a close friend.

But no relationship can rarely lost because of the debt-claim. In fact, the more extreme, the possibility can not close the fracas occurred only because of debt. Of course we do not want things like that happen right?

Therefore, below are some tips that may be useful for you if other people who want to borrow money to you:

1. Preview your financial condition.

If you have money, does not mean you can become a bank for other people. Preview likely expenses of your family in the next few months. Perhaps your child needs to go to school. Maybe your baby will be born. Perhaps you will spend money for this, for that, and so forth. Do not leave when you need money, the money was in the hands of others.

If necessary, you may also be a number of loaned money to. That is, even though not every week there are people borrowing money to you, but you can remain vigilant in case a friend or relative you want to borrow money without the need to reject you because you already have your money and the rate they deserve to be assisted.

2. Carefully before giving

Try carefully before you lend money to other people. You must examine is the "ability of people to pay back debts." This is also done before the bank lend money to borrowers who want to borrow money. Perhaps some of the following list of questions can be useful, when there are people who will borrow the money to you.

o Who is he? What job? Is he friend or relative?

o For what purpose he borrowed the money? Business or living needs?

o Mendesakkah needs?

o What is the guarantee dijanjikannya? Whether he menjaminkan property bendanya menjaminkan, or he does not do anything and only have a verbal promise anyway?

o Does he have a history borrow money to you or other people? How "fate" debt-debt is? Are debt-debt can be dilunasinya or not?

o When he will return the debt? What promise is reasonable or not when adjusted to the background?

From the list of questions above, you can assess whether their own people that you want to lend money that is worth the money for the loan or not.

3. Create a Note

Do not be reluctant to make a written agreement be sealed at the top of the paper, when it lent the money to reach millions of rupiah. Or if under one million, a receipt may only be sufficient. The most important is that you make a recording. That need to be listed in the agreement or a receipt is who borrow, how much is borrowed, for what, and when will be returned.

With the recording of neat, you will know when you need to collect, and how much money you have pinjamkan. And if there are problems dikemudian days, the note can help you.

BILA LOANS ITU is due

Okay. We consider you lend money to him already. And now, it seems it's time for him to settle the loan to you. If so, there are two things that you might note:

1. Bill with friendly

Something that begins with a smile will take place with mulus. When it is time that people pay for, came directly to the house concerned. Why not telephone? Because this is to show that you are really serious. Start with a friendly, Ask how business, his family and so forth. New charge well. And if he does not or has not been able to pay, discuss and consider again whether you need to give relief to delay payment or installments.

2. Relakan part

This may include heavy to be carried out. Why do you need your money relakan part? Already tired-tired to find it, eh even casually given to the people.

Yes, if the cost turns out to collect your debt is greater than the value of debt, then there may be a good idea if you are debt merelakan only.

For example, the money you pinjamkan only Rp 100 thousands. But already many times asked, the only people who lend you is not able to pay. If you continue to persevere menagihnya, most likely costs you will spend more than the value of debt itself.

Not only that. The psychological, can dizziness be around you because understand, or perhaps your relationship with them can be lost. So what a stickler you take the money that Rp 100 thousand, if menagihnya can cost more than that. Moreover, if the person is really not capable, and would rather not.

So, we in principle to "bank" is here to help each other. The more you help people, the more that will also help to come to you. But one thing that is most important here: without the help of others viewpoints fur, but do not forget to help in a way that intelligent. Telitilah and consider carefully before you lend money to other people. Congratulations to consider.