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  • Writer's picturePremanandhan Narayanan

The Moral Dilemma of a Borrowed Loan: Responsibility and Integrity in Financial Transactions

One person receives a hand loan of Rs one lakh without interest from a friend, with the assurance of repayment within six months. However, after just two months, the friend who provided the loan unexpectedly passes away. The loan transaction remains known only to the two individuals involved. The person who received the loan now contemplates keeping the money for themselves and not using it to support the deceased friend's wife and children.





When lending or borrowing money, it is essential to consider a broader perspective and adopt a sense of responsibility and empathy. One helpful approach is to view the transaction as a karmic cycle, imagining that the money borrowed in this life is a debt carried over from a previous life and that the repayment is an opportunity to settle that debt in the present life. If the borrower returns the money as promised, it signifies that the money was given and returned within the same lifetime.


It is crucial to approach loans with careful consideration and responsibility. Before taking on a loan, one should evaluate their ability to repay it in a timely manner. Taking on loans without adequate financial capability can lead to potential difficulties, strained relationships, and financial burdens.


In the given scenario, the person who received the loan faces a moral dilemma. They have the money in their possession, but they are considering not using it to fulfill the original purpose of supporting the deceased friend's family. It is important for the individual to reflect on their values, empathy, and sense of duty. Keeping the money intended for the friend's wife and children may cause harm to the trust and goodwill between the individuals involved.


Ultimately, making the morally right decision is essential for maintaining integrity and nurturing healthy relationships. It is advisable for the person to honor the original agreement and fulfill their commitment by using the borrowed money for its intended purpose. This act of kindness and responsibility not only supports the deceased friend's family but also upholds the values of trust, compassion, and integrity within the broader context of human relationships.


In summary, when it comes to lending or borrowing money, it is crucial to approach such transactions with thoughtfulness, responsibility, and empathy. Seeing the lending and repayment process as part of a karmic cycle can provide a broader perspective on financial transactions. Taking on loans only if one has the means to repay them ensures financial stability and avoids potential complications. Making morally sound decisions, such as fulfilling loan agreements, supports trust, empathy, and integrity within relationships.



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