Another story about lending!
if you haven't read the earlier blog about lending money, you might find it interesting to compare it with this actual account...

SCENE I
About a week ago, we were sitting in the garden during lunch. It was nice and restful. The next thing a guy appears at the driveway gate waving to us, calling us to come to him. I was very loathe to get up and hear his story. But his wording caused us to hear that he was from over the road. Thinking that he was the owner of the house there, I got up and briskly walked to him.

It turns out he was not the owner but the gardener. And here was his story: His child had just passed away. He was very stammering and apparently very desperate. He needed money to take his daughter's body to the morgue near his village! The owner was not at home and he needed money fast.
I was straining myself to work out the truth of this story, becuase if it was true, the guy just lost his child! That added a lot of pressure! I asked him a few questions about it, and he even told me his daughter's name. When I asked him the cause of death he kind of choked, so I left it.
"How much do you need?"
"Sorry?"
"How much money are you asking?"
"R200"
It seemed a lot to me, but he explained it was the payment for the transport of the body. It seemed a fair price, never having encountered such a thing.
Jacqui and I discussed it. That is rule #1. Always discuss money with Jacqui before commiting.

She was uneasy (although at the time I didn't realise it!) but I told her that I had a good feeling about it. So, I went to fetch some cash. He promised repayment the next morning 8h00. I doubted he would, especially with a daughter just passing away. But I attributed that rather silly promise to his desperation. I told him he need only pay it the next week. He persisted, the next morning 8h00 sharp. He works every day across the road and WOULD repay.

He thanked me and then asked if I might not have R50 for taxi!
Huh?, I thought. Wait a minute... this sounds fishy. I told him I would not give him money for that. He thanked me again and then said he was on his way to the taxi rank. And off he walked.

SCENE II
As he walked further away, I noticed at the house across the road (where he supposedly works) a lady sweeping the stoop. Here's my chance to confirm his story, I thought. I ran back, got the gate keys, and ran over the road and called the lady. To my dismay, she couldn't speak a word of English or Afrikaans. I stood trying to communicate with her for about 5 minutes. I mentioned the guys name, his daughters name and tried to see if she knew him. After a while I realised that she was showing no sign of recognition. I still wasn't able to tell his integrity for sure, but now it seemed doubtful.
I had to try catch up with him. So I ran back to our house, picked up the car keys and zoomed away toward the taxi rank, looking for him. My logic was that if I found him, I would offer to give him a ride, rather than him spending money on the taxi. But, sneaky me, on the way to where he wanted to go, I would divert to the house across the road and confirm with the lady whether he did in fact work there. It was the only option I could think of.

I sped around, but didn't find him at the taxi rank. It really began to look as if he was lying after all.
I decided to go home, but prayed, "Lord, please show me where I should drive..". I was about to turn left, but felt led to drive straight. Turning down the next road, I saw him! There he was waving at cars driving past, trying to get people to stop. Still not sure, I thought. A car had pulled over for him up onto the pavement. Seeing my chance, I pulled up next to the car, in the middle of the road and stopped.
"Come, get in," I motioned quickly
"Do you want your money?", he asked, looking rather miffed
"No, come. "
My intention was to give him the lift.He looked pretty peeved.
"Come", I urged.
He took his wallet out, pulled the money I had given him, threw it in the window and walked away! The lady, looking very nervous, pulled away and drove on.The cars behind me were hooting to push me on. So I drove away.

As I drove, I thought, "That guy must be a fake. If his daughter had just died, and he really was so desperate, why would he throw the money back at me and refuse to come with me? Perhaps he thought I would take him to the cops." I was glad the lady got away.
"Thank you Jesus"

So, I arrived home with the money. Now that was interesting! What kind of a lesson was that?

SCENE III
Getting home, Jacqui told me she had prayed, "Lord please show us with this occasion how we should handle our money in giving." She felt like the lesson was the same as before: don't give to strangers, but rather to those we know are genuine. I coud see her point.

GRAND FINALE!
A few days ago I get home, and Jacqui tells me that she saw the same guy arrive for work across the road!
"Are you sure it was him?" I couldn't believe it!
She thinks so.
My goodness! What if he was genuine? I guess I need to go and try speak to him.

I guess giving requires faith. Not faith in the person you're giving to, but faith in God that He knows the story and will Himself hold every person to account, including us. Do you think he is genuine?

Lending Money

Luke 6:34, "And if you lend to those from whom you expect repayment, what credit is that to you? Even `sinners' lend to `sinners,'"

How should a Christian lend? Is lending scriptural?

At seminary I interact with students who have very little of any material possesion. Even if they do have their own place and even a car, cash flow is extremely limmited, and the slightest unforseen circumstance can leave them stranded. I'm sure most of us would agree that people like this are prime candidates for receiving cash, lent or given.

Bad experiences

And what about the other people who come to our gate to ask for money? We had a bad experience last year. One chap came to ask for money. He looked a bit aged but as is my conviction, I decided to offer him work to earn the money. I asked him to help dig trenches for our sprinkler pipes. He agreed on a sum of money, and I lent him R50 up front to get to his "new job" that coming Friday. When he had come on the Saturday, he would do the work and receive the balance of the payment.
You can imagine how I felt when that Friday, Jacqui told me he had pitched (a day early) and had managed to wangle a loan through her, far exceeding anything close to what I spoke to him about. He had promised Jacqui that with his new job he could pay it back at the end of the month. His work owing us now escalated to about 2 months. Although he did pitch on Saturday, he managed half the trenching and then disappeared never to be seen again.

Some seminary students have asked me to lend them money. And thankfully, the experience has gone fairly well. However, having the stranger take (steal) our money, made us discuss the question of Christian giving and lending. The more people lend from us, the more risk there is in money not being paid back.

Is LENDING OK, or should we only give?And should we give to EVERYONE and ANYONE who asks?Are there any limmits?

Scripture references

These following verses come immediately to mind. I have not done an exhaustive study in the Word on this issue, so I might be missing some critical points.
Consider these principles from the referred verses:

• Give from the abundance you have, and even out of the little if it seems right to you (2 Cor 8:3)
• Be willing both to give and to lend (Matt 5:42)
• Give with a glad heart, not reluctantly (2 Cor 9:7)
• When you lend, do not expect to receve it back (Luke 6:35)

Not expect anything back when lending?

Talking about it, it became clear that there is nothing wrong with LENDING money and assuming the money SHOULD be paid back. However, note this: when you lend, lend with the agreement in your heart that this money might not come back to you. You may therefore consider it privately as "giving". DO LEND - People around you are in need, and God may have blessed you with capital that allows you to assist people in their trouble.

So what does this mean: "GIVE to everyone who asks you..." (Luke 6:30).

Must we just put our hand in the pocket and dish out to anyone who says, "Please give me!". Perhaps there is an element of trusting God and doing just that. But don't neglect other Biblical principles, such as loving and providing for your own family (i.e. don't rob your family). There is not enough room to go into this aspect now though, suffice it to say that what the Lord lays on our heart we should submit to.

But the words in scripture are pretty explicit: "GIVING to EVERYONE who asks".

Note that the context is about loving enemies. One aspect of giving is to not discriminate in your giving. "Give to EVERYONE who asks" also suggests that you must give to all KINDS of people, not just friends or those who you know for sure will pay you back.A complete stranger should not have assistance withheld based on that reason. We will all naturally rather lend to friends and family. This one tests my heart!

But let's talk specifically about lending and the issue that has affected so many of us:

What happens when you lend to someone and they don't pay back, even when you give them grace after grace and they keep on promising? The promise keeps coming, "Next month! Next week!..."
We would suggest these practical guidlines:

1. After repeated excuses, it gets pretty obvious that it isn't going to come back. If they however, as does happen, seem to have money to spend on other goods, challenge them on the integrity of their promise and tell them it is time to pay back NOW. Sometimes they need a stern push.
2. However, if this is not the situation, SIGN IT OFF. Let go of the debt, as you should've been ready to in the first place. You cannot afford to tie your happiness to the money you parted with. That's why you need to decide in your heart what you are able to give, and give cheerfully, not under compulsion.
3. So, you've signed it off. But DO arrange a talk with them. Don't sign it off leaving them hanging with the burden of unpaid debt over their head. Tell them you've concluded that they will not be able to pay back the money and so you're releasing them from the obligation. If they are determined and say that they will repay, let them know that you don't think so, but they are free to prove otherwise. From now on you no longer expect it back. This will show true love, and allow the relationship to continue on a good foot, without this "thing" between you. There's nothing worse than a once good friendship sinking because you can't talk easily.
4. Be genuine and remember Christ's example, forgiving as you have been forgiven, and freely giving just as you have received. I would expect that actually the friendship would blossom in this scenario. And if the person is an unbeliever, Christ's love will be practically illustrated. It may open a door to witness.

What if they come back a year later and ask to borrow some more money after you've signed the previous loan off?

1. First of all, I doubt that they would. My experience is that once you GIVE (not lend) someone what they ask, especially strangers, they don't return for more. Maybe I'm wrong. Anyhow, if they do...
2. Ask them straight out, in sincerity, "I'm doubtful you'll be able to pay it back, based on what happened last time. Aren't you really asking me to GIVE you the money? Let's be honest, last time you couldn't - what makes you think you can now?
3. Either they will admit, and say that actually do need you to "give" rather than "lend" or they will try to convince you that they will be able to pay back.
4. In the first case, decide whether you are willing in your heart to give the money away.
5. In the latter case, suggest that they need to prove first that they can repay. Perhaps they have a recent reference of money they paid back, or someone standing surety, or even a "downpayment/deposit". They should understand why you ask this. From this point on, you'll have to apply wisdom as you work out what happens next.

I hope this brief note will help you in this tough area of lending and giving. Post comments and questions if you wish...

I think I remember someone saying: "When I die, and I see that same man condemned by God to an eternity in Hell for a sinful and Christless life, the last thing I'll want to say to God is, 'Oh! That guy! Yeah, he didn't trick me. When he came to the gate I sussed him up straight away and sent him on his way without a penny! He never got a CENT out of me!"