If the people you loan the money to have the ability to pay it back just get some legal paperwork in place, but be prepared to take legal action if they default. This will obviously cause ill feelings.
That's great news. Funnily enough one of my kids wanted to borrow money for his water bill, he's been on furlough, I couldn't be arsed and just paid it for him!
Whoever does not know how to hit the nail on the head should be asked not to hit it at all.
Friedrich Nietzsche