Holla readers and fellow prestigious hive bloggers, it is another edition of weekly featured content titled "Risky Loans" in hive learners community
I grew up in a religious family, Christianity precisely. right from childhood we were raised by the teachings in the scriptures in order for us to know how to act in accordance to the Gods' will. this assisted me and my siblings to have a positive personality compared to others in my neighbourhood.
Growing up, the teaching remained and I continued to lead the path I have been taught without departing from it, this greatly influenced my personality and attitude towards others. though most people might consider my determination to do what is right at most times as unnecessary but it never bothered me.
i could remember when I first started some kind of online business centre in school, I didn't do it for money at first, I used my resources to assist a lot of student with online registration without asking for anything in return because I believed somethings in life should be free but over time I realise I could commercialise on it and with some advice from some of my friends.
With the little income I earn from the business I'm into I tried as mush as possible to assist the people around me as much as I could because all I have gotten is a grace from God, so I tried as much as possible to be helpful to others but eventually I realise some people considered my generous personality to be a weakness, they pick up the attitude of taking advantage of it.
I'm the kind of person that have a lot of empathy and feel pity towards people, especially when they appear desperate. in a case whereby I realise I can't just give out that amount, I loan them the money with the hope that they will fulfill their promises as they have promised but in most cases I end up being disappointed and blaming myself for putting my trust in their promises so easily.
Have I ever given out a loan despite knowing the person might not pay back.
Yes I have, like I said earlier my sense of empathy and generousity is overwhelming, I remember an incident that took place during my National diploma at Gateway Polytechnic in Ogun State, it was my first semester and final year of the program. I had a friend then, we knew each other from my neighbourhood. he was my room mate in 100level.
He was having issues with paying of his school fees and test was approaching. my parent have not sent my school fees but my mum kept some money with me for later use, which I knew she won't me needing anytime soon till December market period. seeing how my friend was struggling with his tuition fee, I felt pity towards him, so I thought, since my dad will still eventually send me my tuition fee why not lend him the money with me to prevent him from failing the test.
So I gave him the money and he promised to return it in the next 2 weeks but I knew that with a sum of money of ₦62,000, someone of his financial capacity could not possibly get that money in that time frame but my emotions and sense of generousity got the best of me and I lead him the money despite knowing the risk.
to my surprise my dad called and asked me to use the money my mum gave me for my tuition fee that he had already spoken to my mum, I was distabilized because that same money, I have loan it to my friend already. I couldn't meet him for the money because it is not yet time for him to pay back and I could not explain what happened to my dad. so I started hustling to get my tuition fee to the extent I nearly missed the test but eventually I sold my phone and paid for my tuition fee.
After the test two weeks passed but I didn't hear anything for him, I called him but all he could give was empty promises I became worried because I wanted to use the money to buy myself a new phone before going home for holiday. to cut the long story short, it took him about 9 weeks and some days to pay the money back despite all my sacrifice. well I was just glad that at least he paid back. This is just one of the scenario I have experienced regarding lending someone money.
Despite the harsh experience I have encountered my act of generousity has not stopped and I don't think it will😅 because I believe givers never lack, though I have cautioned myself a little not to loan or give out money that will put Me in trouble.
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