asking as a christian to those with debts, how do you do it?

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I am a Christian and I happened to work already. Along with the work is the salary I have. And with it, there are those who don’t have and maybe lacking as of the moment. With the money I have, the more responsibilities I also have. And also, I can’t deny that there are those who would wanted to ask for some amount to be borrowed and be paid later. however, when asking for the payment of the said amount is just too hard for me. I thought it would be easier for I am a businessman also. but as a Christian, it is harder. Hehe.. how do you do it? How to do it?