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teks: Okay, let me first tell you about the downsides of borrowing from individuals such as family members, relatives, or friends. We often hear about people who borrow money but when it's time to pay back, they become evasive to the point that the lender becomes the beggar, having to go and ask for the debt to be settled. Promises to pay next month are made, and requests for postponement to the following month are made with a thousand excuses. The word 'later' is given along with a thousand reasons. Yet, when they were borrowing, sweet promises were made, and they were willing to sacrifice the sky and the mountains. Who has experienced this? Surely many. Therefore, what the Prophet Muhammad said is true, "If a borrower says he will pay back, he will often lie. If he makes a promise, he will break it" (HR Bukhari). Who can deny this because it really happens, and it has happened to me too. That's just borrowing from individuals. Let me also tell you about borrowing from financial institutions.
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