It has become increasingly common for friends and not-so-close "friends" to come and ask me to borrow money. I don't usually ask for the purpose, but some ask me because of betting at online houses.
The last time I lent money to a colleague, who I hadn't had much contact with other than at work for a short period, it was with great difficulty that I got the money back.
I don't know where people get the amount of money they think I have, they must think I look like a bank...
Who likes having to borrow money? Unless you are a loan shark and lend with collateral where the risk is almost zero, why lend money where you end up with a loss? 'cause in addition to no one paying you with interest, most never pay you on time, at least you will get your money back after repeated charges.
Some people even go so far as to ask me to borrow money for what? to bet!! What a joke. I answer briefly and bluntly that I don't have the money to lend for these purposes!
And the worst thing is that they ask me for small amounts, like $2, 5, 10$... I think that if the person doesn't have that money now, the chances of them getting that money to pay you are low. If the person is in need, it's easier for them to confess right away to see what I can do, because I'm not a bad person.
Do you usually lend money to relatives, friends, etc.? Have you ever felt bad about it, done it unwillingly?
And when they are female friends, do you lend them?
Maybe you should start rethinking the type of friends that you have around you, because it seems like they are often trying to take advantage of you. If they are true friends then I would give them money on the basis that I do not expect it to be returned, if they do return it that is a bonus. However that should be a rare occasion, not a common or reoccurring pattern, because then they are treating you like an informal lender which is bound to end badly eventually. Why would you make the distinction about lending to "female" friends, are you a woman? Are you suggesting that it would somehow give you some other advantages, because that is a rather lousy viewpoint. If you don't feel comfortable lending, simply say no.