You have to take into account who you are lending money to and their circumstances.
Most of us have friends you can count on one hand (real friends), the rest are just long-term acquaintances, especially in an expat community.
In the UK back in 2005 a friend (I had known him 17 years at that point) worked on a software contract together, he suddenly needed 10k pounds sterling, and he had a sudden cash-flow problem, I told him no problem and I transferred the money to his account the next day.
He said he only needed it for a month but due to further complications, he paid me back nine months later.
In 2010, I had a cash flow shortfall after setting up a new company, he immediately lent me 15k pounds, and I said I did not know exactly when I could pay him back, he got it all back one year later.
My ex-Thai wife lent about 4000 pounds (her own money not mine) to her Thai cousin for a business startup, he gave a Rolex as a guarantee, but he did not pay it back in the time agreed so she took it to a jeweller, what a surprise, it was fake.
Would I lend money to a Thai, no way.
A funny thing happened last year at the housing complex we live in, a Thai security guard working at the barrier to the complex rang our doorbell, he wanted to borrow 5000 baht for one hour and could pay it back after one hour, I thought which creditor can not wait one hour to be paid, the answer was "no".