Hello,
We have seen that we are obligated to extend loans. However, the borrower is also obligated to re-pay. It is prohibited for a borrower to pretend that he is unable to re-pay, even if his intent only to delay repayment for a single day.
(Shulchan Aruch Choshen Mishpat 97:3)
Have a great day,
Mordechai
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