Loan not answered

LSH texted me yesterday night to ask for a loan of 10k. I had previously wired him 6k on his request few months back. My rationale then was simple. I have to trust the person whom I love. I knew he was in need of the money for his new start up business. I just made the transfer without any query. He called later to ask to meet, I didn't agree as I didn't know how to manage the feeling. I haven't met him since our last meeting at marine parade.

I forwarded the text to Wl. Wl advised against giving him the second loan, with an exception of my faith with him still remains. I had already somewhat decided I would lend it to him before wl's reply. As what I replied to wl, my reasoning was simple: (1) LSH needs the money for his business (2) I have the money to lend it to him. I concluded my reply to wl asking what valid reason could I possibly give myself for not lending to him. There was no response from wl. I had a sleepless night.

LSH texted again in the morning asking if I had received his message yesterday night and apologized for putting an unreasonable request. He said he would try to repay me the previous loan in the next 2 months.

I was still struggling on my move. I have no issue on my faith in him on how he would spend the money. Though he didn't mention anything on the massage, I knew he needed it for his business. My only uncertainty is that will I pamper him too much and ruin his sense of monetary value. I have also no knowledge on his business and worry that he might have over invested. I still remember I told him to look for me if he has emergency, I will try my very best to help.

My heart urged me to just go ahead to answer his request for him not to suffer because of shortage of money. On the other hand, my rationale mind forbade me to do so due to the said reasons above. I finally focused to assess if the situation was emergency enough for me to lend my hand this time round. I concluded that he would request again even if I rejected him if this would be his last resort.

I wrote him a message to tell him I couldn't help this time as my money was locked in forex investment. This is a real reason as my asset is currently not liquid due to market condition. I told him also not to hurry to pay back the previous loan till he is more comfortable.

It is not easy to reject him, but I hope my reject makes a good learning platform for him to learn what is the real world of business like. I also cross finger on this reject not causing him too much problem.