IMHO, depende sa situation. Kung uutang tapos gagamitin yung money for pleasure like vacations, upgrade to a new car, new appliances, then I will definitly charge interest. Kung emergencies naman especially kung na-ospistal yung anak/kapatid/asawa/parents, di na ko mag-cha-charge ng iterest. Tulong ko na yun. Pero syempre kung gipit ka din, there is absolutely nothing wrong with charging interest sa mga utang kahit friends and relatives. Ang hirap ng buhay ngayon eh.