tough call. if you don't charge interest, that's money you lose. kung pinautang mo siya ng 1000 interest free for a year, para mo na rin siyang binigyan ng 50 because you could have earned 5% (or more) on that money.

kung ok lang sa iyo na "binigay" mo yung ganung halaga, pautangin mo na nang walang interest. i do agree with bad driver na pag naningil ka ng interest baka sumama ang loob (even though it's 100% fair)